The first thing to do to get out of credit card debt is to take a hard look at your finances and determine how much you can realistically afford to pay each month. When people track their spending every day for a month they get a firm handle on where their money is actually going. This will usually bring a 20 percent saving because people will start to cut back.

Here is some advice to get out of debt

• Gain control of the urge to splurge
  Has hard as it sound this is the is first part of digging your way out of debt. Below are some tricks that can help you accomplish this goal.
• Leave your credit card at home.
  Surveys done by Consolidated Credit Counseling Services indicate consumers are likely to spend more using a credit card than when paying in cash.
• Start making a financial plan today.
  LendingTree’s 2004 Smart Borrower Survey found 63 percent of those moderately to extremely concerned about their overall level of debt, do not have a financial plan to get rid of it. Procrastination does not pay the bills.
• Define the amount to allocate to credit card payments.
  After tracking their spending, people can better decide how much they can afford to pay toward credit card debt.
• Attack the balance with the highest APR
  People are tempted to pay off low-balance bills first and eliminating a bill or two. Instead you should start by paying the minimum payments on the cards with the lowest interest rates. On highest interest rate card, pay all the rest of your allotted money. Keep doing that until you have paid off the card with the highest interest rate, Then, move the next highest interest rate card into that position and keep paying down the highest rate cards first.
• If you have a saving account use the money to pay off debt.
  Using money sitting in a savings account (that’s most likely earning less than 2 percent interest) to pay off credit cards (that may carry an 18 percent interest rate) could be a far wiser investment.
• Consider a debt consolidation loan.
  You can benefit from lower interest payments if you transfer the balances from high-interest credit cards to a lower-interest loan such as a home equity loan or home equity line of credit.
• Call Consumer Credit Counseling Services
  They offer free services to debtors, and they will negotiate with the credit card companies for you.
• Use a debt workout/debt reduction firm
  These firms will offer their help for a fee. For example if you owed $5,000 on a credit card the firm will work out an agreement with the credit card company to pay $2,000 instead of $5,000 as settlement in full on the debt. Be aware however that this type of workout will affect your credit. Someone who has done a credit card debt settlement would be considered a six on on a scale 1 to 10, 1 being the best score. For someone who started as a 1 or 2 this would be a dramatic devastation of their credit. On the other hand, if an individual already shows multiple accounts on their credit report that have been charged off by creditors they may already have a credit score of approximately 9. For these people the credit will improve from very very bad to only plain
  bad.