Assess Your Debt: Start by listing all your credit card debts along with their interest rates.
Create a Budget: Develop a detailed budget that tracks your income and expenses. Identify non-essential expenses that you can reduce or eliminate.
Choose a Repayment Strategy: The two popular methods are the Snowball Method (paying off the smallest debts first for psychological wins)
Cut Your Interest Rates: If a balance transfer isn't an option, try negotiating a lower interest rate on your existing credit cards.
Increase Your Income: Look for ways to boost your income. This could include taking on a part-time job, freelancing, selling unused items
Use Windfalls Wisely: Apply any unexpected windfalls, such as tax refunds, bonuses, or gifts, directly to your debt.