Take some time off your day, and figure out where you’re spending the biggest chunk of your money. Lets face it: the odds of you being able to cut down on spending are far greater than the ones of you getting a sudden pay rise.

If you own multiple credit cards, try to concentrate your debt on one of them – preferably, the one with the lowest interest rate. If that one doesn’t have enough room, shift the remainder to the one with the second-lowest interest, and so on.

Take a look at your monthly bills. The electrical, heating and water bills can be hard to lower, but there are some others that you may be able to save money on. Your internet bill, for instance. Call your internet service provider (it’s usually a free call) and ask for a better deal. Do the same with your phone and your cable television provider. At the end of the month, you can be saving enough money to put toward your credit card debt.