STYLETHREAD -- LET'S TALK SHOP!

You have to stop spending and put as much money as you can toward paying off the cards. Several years ago, I had credit card debt and wanted to get a new car. I told myself I couldn't take on the debt of the car loan until I paid off my cc debt and saved a couple thousand to put toward the car. I reeealy wanted a new car so it provided a good incentive for me... I just cut back on spending on things I really didn't NEED and focused on paying as much money as I could each month toward the card. You just need to make it a priority. I cannot tell you how GOOD it feels to not have that debt and accumulating interest over your head. I have never held a credit card balance since. If I entertain purchases that would not allow me to be able to pay the card off that month, I don't make the purchase. I save and have the money in the bank (earning interest) before I make the credit card purchase. HTH