There doesn't seem to be any one, single path to get to freedom from credit card debt: you can get there by just saving money on your everyday things and pay more on your credit card balances. You can cut up your credit cards so that you are unable to use them. You can cut back to one credit card for emergencies only...the possibilities and solutions are seemingly endless.
You have to find the way that works best for you.
There are countless programs out there as well, each has its own merits. There are regular books, tapes, CDs, e-books and the like. Some programs are very strict in their approach and they state that there way is the only way. I have looked at many of the programs and books and websites out there, and they all have a little something that could be used. That is why I wrote the e-book Never Surrender!! as a way to help you to get out of your credit card debt. Why was the e-book format chosen? It is easily transported from one place to another. You can print it out if you like. There isn't any shipping or packaging costs involved in production, and you can get it at any time without leaving the comfort of your home.
One thing is certain: in order to get out or stay out of credit card debt is to charge/spend less than you bring home. Find a way to do that, and you will be successful in your effort to eliminate credit card debt. Have faith that it can be done, and it shall be done.
Have a GREAT day!
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