First, don’t add onto your debt. Although daily necessities, such as spending on food and gas are nearly impossible to avoid, put away all your credit cards. Keep only one for necessities, and do not spend on things you don’t need.

Find out where you stand. Know which debt has the highest interest rates, and begin paying those off first. If there is a low-balance account, begin with that one, and pay if off in full as soon as possible. This will boost your morale and relieve you of unnecessary stress.

Do not pay the minimum. Even if you have more than one debt on your shoulders, begin with one and pay as much as possible. Paying the minimum on your account will get you nowhere, and if you pay more, your debt will quickly begin to dwindle.

Finally, use the snowball effect. As soon as one debt is erased, use the money you were spending on that debt and move on to your next target. This gives you systematic power to diminish each balance.

Not alerting creditors of financial hardship. Once you’re out of a job, it’s difficult to stop your debt from spiraling out of control. If you’re facing a potential layoff, or any other financial setback such as unexpected medical or car expenses, do not be afraid to alert your creditor about it. It’s best to begin negotiations with credit card companies before a problem becomes too big to deal with. Let them know of your setback and ask if they can temporarily lower your interest rate or extend your payment deadline. Many credit companies have programs designed to provide their borrowers with these short-term services.

Using credit cards instead of debit or cash. People often find it easier to purchase items with their card, whether or not they have the money to pay for it up front. This is a bad habit, and although charging small purchases doesn’t seem to make a dent in your debt, the purchases can add up and you may be paying off unnecessary interest. If you can pay for a purchase with a debit card, cash, or a check, do it. The money clears the bank sooner, helping you avoid interest charges and keeping you better aware of your spending habits. This is especially helpful for small purchases, or those under $50.

Making only the minimum payment. Though paying the minimum is better than paying nothing, it can increase the amount you pay in interest, adding to your debt. Pay as much as you can every time, preferably the balance in full. The more you pay with each payment, the less you’ll have to pay later.

If your credit card debt is too big to manage effectively, seek consultation and look into a second job that’ll help you rid yourself of debt as soon as possible.