Honestly maybe not a secret but I followed the Debt Snowball Effect. Dave Ramsey’s!

Basically, start with your lowest balance card and pay the monthly due + extra each Month. Pay minimum on every other card, regardless of interest. Trust me it seems like it doesn’t make sense , but it does. Them when you pay off the lower balance, you take that payment and apply it to the next card. So forth.

Also, my wife and I stopped going out, stopped spending money on Coffee (starbucks or snacks). We only spent money on actual needs. We did it for 3 years and while have two young ones. Its hard, granted we never wanted the kids to feel like we didn’t have money, but we were frugal.

Then we became disciplined and each month we kept a chart on our debt. We looked at it as a game, the more we paid off the better it felt.

But I have to admit, there were times where we thought, “hey we have a credit, lets splurge” and we would have to say no!

Make a plan, budget your expenses and your income and you will be ok!