implies that you making all the efforts for reducing your monthly outgoings. Taking control of your finances starts with saving as much money as possible in order to make the repayment easier. You should stop using many of the cards so that you are not spending too much on shopping. Start paying in cash for most of the items you purchase.

You should look for opening a new credit card. Make sure that such a card is issued to you for the purpose of transferring the debts. The companies give a specific period for transferring the balance amount. This duration can range from six months to a year. You should opt for the new card that has maximum period. But you must also note that during that period, the company does not charge interest or the rate of interest is very low. Search for a company that is offering the new card for transferring the balance for maximum period of say one year at nil interest rate.

What this means is that you are not making any interest payment for one year on the new card. Thus you are saving lots of money, which you can use for any purpose.

Another solution is to take out a small personal loan that is enough to pay back all of your debts. This way, you can be free of old payments in no time. Such a loan can be availed at low rate of interest as well. There can be other ways also for credit card debt management, but your focus should be to save money for early clearing of the old payments of higher interest rate. And, learn from past mistakes. Keep your self away from falling into new financial trouble.