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<blockquote data-quote="donpisto" data-source="post: 4725695" data-attributes="member: 568577">My gf owed quite a bit, about a third of what you owed and she had like 4 or 5 credit cards.&nbsp; The advice I gave her was to start with one credit card and pay that off, while with the rest, pay the minimum blanance due.&nbsp; Once you have one knocked out, move onto the next.&nbsp; If you try doing all at once it will seem like you are going nowhere, but at least with knocking each credit out card out the way, you see the change and it makes you see the difference.I think mrogowski&#039;s suggestion is also another option to consider.&nbsp; You may want to look into getting a job, if you don&#039;t have one already, but I&#039;ll assume that you do.&nbsp; Maybe find something else that pays more, or find a 2nd job.Cut down on your expenses.&nbsp; Spend money only when necessary.&nbsp; Instead of buying lunch or dinner, make something.&nbsp; If you don&#039;t need to go out somewhere to drive, then don&#039;t.&nbsp; Maybe ride a bicycle for short distances.&nbsp; Don&#039;t spend money on any leisure items.&nbsp; It does get boring so treat yourself to a little something every now and then.&nbsp; Lastly, realize it will take quite a bit of time to pay off the debt.What I recommend doing is creating an excel document and list your current balance for each credit card and the total amount you are in debt.&nbsp; For each month, document how much you paid off and keep updating this.&nbsp; Set a plan and an approximate date for when you think you may be able to finish paying off the debt and try to break that goal.</blockquote>

[QUOTE="donpisto, post: 4725695, member: 568577"] My gf owed quite a bit, about a third of what you owed and she had like 4 or 5 credit cards. The advice I gave her was to start with one credit card and pay that off, while with the rest, pay the minimum blanance due. Once you have one knocked out, move onto the next. If you try doing all at once it will seem like you are going nowhere, but at least with knocking each credit out card out the way, you see the change and it makes you see the difference. I think mrogowski's suggestion is also another option to consider. You may want to look into getting a job, if you don't have one already, but I'll assume that you do. Maybe find something else that pays more, or find a 2nd job. Cut down on your expenses. Spend money only when necessary. Instead of buying lunch or dinner, make something. If you don't need to go out somewhere to drive, then don't. Maybe ride a bicycle for short distances. Don't spend money on any leisure items. It does get boring so treat yourself to a little something every now and then. Lastly, realize it will take quite a bit of time to pay off the debt. What I recommend doing is creating an excel document and list your current balance for each credit card and the total amount you are in debt. For each month, document how much you paid off and keep updating this. Set a plan and an approximate date for when you think you may be able to finish paying off the debt and try to break that goal. [/QUOTE]

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