Are you buried in credit card debt? Do you think it’s the end of the world for you? Here’s a consolation. It might make you feel a little better to know that you’re not unique. You are not alone in your situation because there are millions of other people around the world facing the same problem as you.

You can rest easy knowing that, however, knowing that there are others who share your problem doesn’t solve everything. You still need to find solutions to your credit card debt problem. Other people may even be in a deeper rut than you are and, just like you, they are also looking for solutions to eliminate their debts. The best recommendation to solve your problems is to take the bull by the horns and attack the problem head on. Resolve to eliminate your credit card debt once and for all.

There are many solutions to your credit card debt problem and you can search for the best way that suits you. Different people attack the problem in different ways. Here are some suggestions.

First, you place all your credit cards on the table. List all of your cards, respective balance, past due payments, APR, any reward points you’ve earned, redemption offers, available discounts, and any other information and details about your existing credit cards.

From there, you need to figure out which card is giving you the biggest headache. This could be the card with the highest APR and the highest balance. You can then check to see if you have reward points available that you can use to make partial payments on any of your balances.

Next, you should draw a comparison chart of the offers that are available to eliminate your credit card debt problem. This could be by consolidating all your debts onto one or two cards, or taking out a loan from the bank to pay off your debts. When you do this, the rapid increase in interest on your credit will slow down. You can pay your loan in easy monthly installments.

However, the main solution to your debt problem lies with you. If you don’t practice healthy, controlled spending habits, if you can’t control the urge to splurge even on things you don’t really need, no amount of outside help will ever work for you. The effort and the campaign to start eliminating your debts must start within you.

Looking for additional or alternative means to increase your income is another solution to help you. By starting to earn more and spend less, you can speed up the elimination of your credit card debt problem.

As you discipline yourself to control your lifestyle and spending habits, as you earn alternative income and increase your funds instead of spending, you will see your debts reduce. The day you will wake up debt free will not be far off, and think of the relief that will be for you. One final word, one of the solutions to your credit card debt problem is to start with you.