Nobody else is going to manage your money better than you, so you have to take accountability for your financial decisions. A lot of our problems are often caused by our own actions and we wonder why things never change. It may be tough hearing that, but until we face that reality our behaviors won’t change.
First of all know how much deep you are in credit card debt. Many credit card holders are shocked when they know the total credit card debt to be paid. They unconsciously stay away from compiling this list. But you will have to know your total debts. List down lender name, date of debt, total amount to be paid and interest rate. Arrange list according to interest rate. Highest interest rate credit card debts should be shown first.