There is a struggle occurring in our culture, where people are trying to get the life they are told they should want, andpaying off the bills that happen. We have been inundated with the idea that we merit an abundant life and that debt can get it for us.

When did this happen? 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 , we aredrowning in debt, and it seems to be getting worse. With every big store having a credit card it has become even easier to get further into debt.

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

First, stop using your credit cards. Fairly simple to say, but it seems really difficult for people to do. You must control the urge to spend. 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 is the order that you should pay them off. Eliminate those big interest rate cards first.

Third, set up a payment calendar, where you add an additional ten or twenty dollars onto the first credit card on your list, and just make minimum payments on the other ones. You will need 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 by far is the hardest thing to do, as we have formed the instant gratification mentality.

Lastly, get rid of 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 contact the company and request a reduction in your interest rate.

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

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