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Credit card payments eating you up? You don't have to remain in debt. Here are five ways to get yourself out of debt.

1. Consoldidate your credit cards.

Get all of your credit card statements together. Look at the minimum payment. Look at the rate of interest. The cedit cars witht he highest interest need to be moved over to a low interest offer. Sometimes you have to pay a 3% charge to transfer a balance but if you are moving a 19% interest balance to a 1.99% interest transfer then the 3% isn't a lot to pay. Most companies offer this 1.99 or 2.99 until the balance is paid off.

2. Get a low interst bank loan.

Pay off your high interest credit cards with a low interest bank loan. Then destroy the credit cards so you won't be tempted to run the balance up again. Remember this is about getting out from under debt.

3. Pay MORE than the minimum balance.

You have to pat more than the minimum balance if you want to pay off the credit card. Minimum balances barely keep up with the interest. If you can double the payment, the card will be paid off twice as fast. Remember to focus on your goal. It may take some time but as you see results you will be encouraged to get the credit card monster off of your neck.

4. Focus on the smaller balances and get them out of the way.

The credit cards with the least amount of balance can be paid off. With one less payment to make you will feel at least some relief. Pay them off in ascending order. The more payments you get rid off, the better your cash flow.

5. Set up internet payments.

This way you know the payment will arrive on time. It's a good way to eliminate the high cost of late payment fees.= and staggering interest. Once a payment is late, you can lose your low interest. So it's not JUST about the credit card fees, it's also about exorbitant interest tacked on. Late fees can lead to bad credit and that can affect the price you pay for your insurance premiums and even your job.

Once you have taken control of your credit card debt, enjoy the freedom it offers you. Use credit cards sparingly. Keep only 1 or 2 to use for emergencies or when you travel or need a good receipt for taxes. Whims cost you more than you can ever imagine. What good does it do to buy somethng on sale only to pay hundreds of dollars in interest? If you can't afford it then DON'T BUY IT!