What caused you to get into debt?
For most people, it is simply buying more than you can afford. Sure, credit is great. And most people really intend to pay off that brand new wide screen television. But if you do that over and over again, next thing you know you can’t pay your credit card off in full. Then you miss a payment, and your interest goes up and you get a late fee. So you now have more debt. And higher payments. Do it again, and one day you’ll wake up with so much debt you don’t know what to do. So to get out of debt you must learn how to spend less. Once you do, you can start making progress. Sure it is hard to live without all those nice things your friends and neighbors have. But if you can’t afford to pay for it right now, then don’t buy it. Otherwise you will find yourself struggling with debt once again. If you end up with lots of debt, you may need to learn how to settle your credit card debt.