The three most important things you can do to get out of debt are:
- Stop adding new debt
- Out your credit card in ice box
- Create a budget and cut down on things that do not add anything to your quality of life. Things like your caffeine fix, buying launch at work and having a round of drinks after work with your friends. This should help you find a minimum of $5 per day
- Use that savings ($5 per day X 30 days = $150) to eliminate your debt. Paying the minimum payment on your debt will keep in debt for the longest time possible.