How to Reduce Debt?

A great way to reduce debt is to first stop using credit cards. You can then list your debt from smallest to largest and put a lot of effort into paying off your smallest debt. When that debt is paid you can add the amount you were paying on that debt to your next largest. This will create momentum. A great way to speed up the process is to get an extra job on the side and use all the income from that job to pay on debt.