There is a fight occurring in our society, where people are trying to live the life they are told they should want, andpaying off the bills that occur. We have been inundated with the belief that we merit a plentiful life and that debt can get it for us.

When did this occur? It wasn’t that long ago that our society lived on cash, not credit. Then a simple plastic card came about and enormous debt started. People no longer had to wait to buy the stuff they wanted. We became an instant gratification society, and with more and more credit accessible to us it became even easier.

There is a real problem in our society, we are drowning in debt, and it seems to be getting worse. With every big store offering a credit card it has become even easier to go further into debt.

It is time to stop the madness. There are some simple ways to get out of the debt that has occurred in your life.

First, quit using your credit cards. Fairly simple to say, but it seems very hard for people to do. You must control the urge of spending. If you want to buy something train yourself to pay cash .

Second, look at all of your credit cards, and put them in order of highest to lowest interest rates. This becomes the order that you should pay them off. Get rid of those large interest rate cards first.

Third, set up a payment calendar, where you add an extra ten or twenty dollars on the first credit card on your list, and just make minimum payments on the others. You have to make a budget and stick to it.

Fourth, as you pay off a credit card, add that amount to the next card on your list. For example, if your first card had a minimum payment of thirty dollars, plus the extra ten you were paying, you would now pay an extra forty dollars on the next credit card on your list.

Fifth, you have to stop spending on things that you don’t need. This certainly is the hardest thing to do, as we have formed the instant gratification mentality.

Lastly, cut up the cards you don’t need. Keep one, possibly two of the larger company cards (Visa, Master Card, etc.), and get rid of the rest. You don’t need them. A great idea, is to call the company and ask for a reduction in your interest rate.

If you stick to a payment schedule, you will be astonished at how quickly your debt will be paid off. It will be very difficult to not buy again, but, you have to stop random expenses if you wish to become free of the burden of debt.

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