Don’t use any credit card consolidation companies. They won’t do anything to help you – just spin you a story on how great their services are. You’ll just wind up paying more and owing them a ton of money. They don’t work for free. There’s no magic wand to fix your debt situation.

You can manage this by yourself.

The first thing you need to do is put all your cards away and stop using them. You can even cut them up. It’s like the old story about how to get out of a hole. First thing you need to do is stop digging. Do not use your cards or you’ll find your hole deeper and deeper.

You’ve got to make more than minimum payments and make the payments on time. You don’t need any late charges. Some people say to pay off the smallest one first. Or perhaps the card with the highest interest rate. However you decide to do it, pay more than the minimum on each one every month.

Write down all your cards and account numbers. Then put the interest rate you’re being charged next to them. Then keep a running tally of how much you owe and how much you’ve paid each month. You need to see in black and white what your financial situation looks like. Take a good look at the interest charges you pay. You need to imprint it into your head that all the ’stuff’ you charged really wasn’t that great.

Depending on how many cards you have and how deep in debt you are, it’s going to take a while to pay them off. Sell some of your stuff on ebay or Craig’s list to get cash to apply towards your debt. Get a second job doing anything to make extra money. Cancel your cable. Cancel your cell phone. You should be too busy working to need them anyway.

You’ll feel so great when you see your debt getting smaller and smaller. Bite the bullet and live really poor until you get all your cards paid off.

If you want to buy something, save for it first. You’ll find things to be a lot cheaper when you don’t factor in all those finance charges you have to pay on credit card debt.

go with a non- profit….