Sometimes you get into a perpetual cycle of debt by paying your minimum payments on your credit cards then you end up using it again and again. There are times that you pay another credit card with a credit card. The problem is the interest rate can spiral higher and higher.  I've experienced this and it is not nice when you have to live from hand to mouth.  Basically just working to pay of your debt.

Don't get me wrong, because there is nothing wrong with having a credit card if you know how to use it.  Some companies give you interest free credit if you pay in full the loaned amount in full with a period of time e.g. 30 days etc. So a credit card can be handy in emergencies or for spending in travelling abroad.

I recommend that you bring your credit card to a zero balance and then put your own money on it. By adding your own money on your credit card will bring it into a positive balance.  So when you swipe your credit card you will use your money first.

Steps of how  to get out of credit card debt

• Don't live beyound your means
• Be honest with yourself and acknowledge that you have a problem
• If you cannot afford something then rather save up and buy it later. Don't make a loan by swiping your card.
• Cut out binge spending
• Have self control
• Cut up your credit card(s) so that you cannot use it. This will force you just to make payments on your credit cards to clear.
• ....

What I mentioned above are just a couple of things that can help you to break the debt bondage in your life.

You want to enjoy your hard earned cash to spoil and pamper yourself, family or even close friends and relatives.

The key is to make a conciece decision of wanting to change.

Set yourself goals and write it down. See it, believe it and achieve it. Simple!