If you really want to get out of debt, stop using credit cards. The more you swipe, the more the balance climbs. Even if you continue to use your card, avoid leaning on perks such as the ability to take cash advances.

“Unlike when you withdraw cash from your bank account via debit card, a cash advance via credit card generally costs you a steep cash-advance fee as well as a steep interest rate.”

Having a hard time letting go? Try freezing the cards (sealed) in a freezer safe tub. By the time you are able to access them again, hopefully you will have changed your mind about spending.