I've paid off my credit card I only had one, but after I let it roll over for some years I had to payback double. After that I learned not to get a credit card anymore because I never know when I'll be out of a job. It's difficult to keep all those bills paid, especially if you're out of work. It feels good that I don't have that hanging over me anymore. I would say the easiest way to pay off your debt is when tax time rolls around. That large sum of money is perfect for paying off debt. I sacrificed not buying anything with my refund, and that's how I paid the credit card off.
I know how you feel. I was stupid enough to get myself into credit card debt and it's been a pain trying to become debt free. But I've kept at it and it is motivating when you see the amount of debt decrease bit by bit. I can safely say that that by the end of this year I'll have half of it paid off and I'll be home free by next year. As much of a pain as this is it's a really good learning experience for me. I'll definitely be more careful in the future.
I have quite a bit of credit card debit, but it really don't bother me. I'm not going to lose sleep over it. I'll probably pay it back eventually, so whatever. I'm not planning on relying on credit in the future, I will pay everything in cash anyway. Credit doesn't even matter if you can pay everything full.
I found that the best way to get out of debt is to create a plan that will work and stick with it. Figure out how long it will take you to get out of debt based on your income and necessary expenses. Include very little spending money with that plan. If you think you can get out of debt in four years, then take the balance of every card and divide it by 48 and add the most recent interest charge. That will be your monthly payment. The next month, you will divide the balance by 47, and again, add the most recent finance charge from your most recent statement.
I don't have a credit card. I would get into too much trouble. If I did have one, it would ONLY be used for emergencies.
OP, I can relate to not remembering some of the purchases that got you into credit card debt. What one lady on Youtube did was sell all her extra stuff on Craigslist and eBay and yard sales and use the proceeds to pay off her debt. Her idea was that if stuff and things got her into debt, then stuff could get her out of debt. I've lost track of how many boxes of my old stuff I've sold on various platforms to pay off debt. You don't need as much stuff as you think you do, and you'd be surprised what people will buy.
