Personal debt becomes a financial drain with high interest rates and monthly payments that destroy a person's cash flow. Reducing one's debt is difficult when there is no money left over (after paying bills) for today's purchases. People turn to credit cards when the cash runs out, which only continues the vicious cycle.
Stop Using Credit Cards
Easier said than done, but it is vital that a person who wishes to get out of debt cease going into debt. Taking credit cards out of one's wallet so they cannot be used for impulse purchases is a necessary debt reduction strategy.