Attacking credit card debt can be an overwhelming process and while I am all for creating a budget spreadsheet to track your spending and all of that, I appreciate that I may be a little more of an organizational freak than most.
So my suggestion would be to start simple. The easiest trick I ever learned was to look at all of your bills and check the interest rate on each. First start by calling all of them and asking for a lower rate. Once you've done this work to pay off the one with the highest interst rate first.
So this means you'll only pay the minimum on all of the rest of the bills but that is okay. Focus on the one with the biggest interest rate first so you can limit the interest your are paying to the credit card companies. Also, be sure that you try and avoid using credit cards at all cost but if you must, use the one with the lowest interest rate people!


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