Credit card and other bills clogging up the mailbox is overwhelming and depressing. Set a goal to take control of debt, and start debt management by consolidating credit card debt.

Organize and Start a Debt Plan

Make a chart detailing credit card debt. Along the top of the chart, write the name of each credit card. In the columns underneath, detail:

• Credit limit
• Amount owed
• Difference between limit and amount owed
• APR
• Annual fee
• Late fee
• Balance transfer fee (if known)
• Date bill is due each month
• Phone number.

Set Goals to Eliminate Debt

Debt elimination strategies only work when debtors stop using credit cards. Consolidating debt onto one card and continuing to use the others makes matters worse, not better.

The main goal is paying off and eliminating debt. Stop using the cards.

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