Buy in bulk and freeze dinner entrees. Give handmade cards and gifts. Shop at consignment, thrift and discount stores. Once you start paying more than the minimum, the debts start to disappear. It is also important to keep in mind that debt is not always bad.
Some debt is necessary to reach goals.
But most experts recommend that debt payments including car payments and credit cards eat up no more than 10 to 15 percent of income. More could spell trouble. If you can only afford the minimum payments each month, you're on the edge. If you have to hope and pray that your deposit gets to the bank to cover your checks. They're spending money they don't have.