There come a time in your life when you experience debt problems, You do not have to go through that, because there are ways of avoiding them.

So you have a normal job and earn an average salary and you have things to pay right so how would you be able to get rid of your debt. 

There going to be months when you have a few Rands extra even if it is a R50 pay it on one of your accounts with the normal installment. Trust me it makes a difference. Try saving on your cost like taking public transport and saving on fuel. Try cutting down on expensive foods and buy the necessity foods. Cut up all cards and work with only cash.

Before you know you will be paying a bit extra on each of your accounts. Try doing some extra work from home and saving it for the rainy days. You can also buy your food things in bulk so that it carries out.

Close the Accounts and Pay it Off:

Certainly one options to only close the accounts and negotiate an overall length of time to pay them off.

Unfortunately this choice is only going to work efficiently if you have diminished amount of debt. 

Obtain a Loan consolidation if you have a manageable volume of debt, a debt consolidation loan is obviously a choice. With this type of program you will only have one amount to pay.

Get involved in a Debt Counseling Program:

If option A couple isn’t suitable then the next idea you should think about is debt counseling, often known as credit card debt settlement. With this type of solution a debt counselor will 
work with the creditors to to lower the amounts owing.