The only way to get out of credit card debt is to stop creating new debt while paying off what you owe. This means you need a budget that covers all your expenses and builds in emergency savings.
You need to get a budget in place—written out and not just in your head. 1. Total up all your monthly income 2. Write down all your expenses, even the little ones. 3. Total up all your expenses and subtract the total from your income. 4. If you spend more than you earn, it’s time to cut back. 5. If you don’t spend more than you earn, take some of the leftover income you don’t spend and set that for savings.