How do I get out of credit card debt?

Always pay the mortgage first and keep it current. Same with the car loan. Go on a cash diet. Create a allowance for yourself. From each check, set aside an amount of cash to cover everything you have to do for that period. Change credit-card companies.

Make a budget. What credit counselors advise their clients to do is look through all their bills. Look at secured debts such as your home and your car. Then look at the essentials: power, phone, groceries, insurance, etc. Take out your credit card statements to see what you owe on each and the interest rate. Finally, look at the items you want, but don't really need like cable television, gym memberships, dinners out, clothing.

Once you have an idea of what your monthly expenses really are, look for ways to cut. The first two areas are essential and everything else like your gym membership, dinners out and different pairs of sneakers for walking, running, driving, and for standing is negotiable.