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First things first: Getting out of credit card debt is very possible. It is occasionally difficult, but getting out of credit card debt isn’t impossible. It just requires determination and planning.

Determination

Determination, when it comes to getting out of credit card debt, means having goal. Ask yourself what you need to do to get out of credit card debt. Ask yourself how you will benefit from being out of debt. Imagine how much easier your life will be after you are out of debt, and how much extra money you’ll have each month. Think about how your life will improve without all that credit card debt.

Planning

Getting out of credit card debt also requires planning. Make a list of all the credit cards you have, the APR you are paying on each of them, and how much balance is on each. Use this to strategize on which cards you need to start paying first. Then research balance transfer offers, debt consolidation, or even working with a debt counselor to slash that credit card debt.