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Debt can be a heavy burden and can seem like you are stuck in a loop. However tough it is to overcome it, it's not impossible. Here are a few practical steps to help you on your journey to becoming debt-free:

• Assess your debt: Begin by taking stock of your credit card debt. This will provide a clear overview of your financial situation.

• Stop adding new debt: Put a halt to borrowing more money. Avoid taking out new loans or using credit cards unless absolutely necessary. Focus on living within your means and prioritising essential expenses.

• Create a budget for your spending: Develop a budget to track your income and expenses. Identify areas where you can cut back on unnecessary spending. Avoid impulsive buying, unnecessary subscriptions, or extravagant expenses. Embrace frugal living and prioritise saving for emergencies. 

• Build up cash and increase your cash flow: Saving money is crucial when trying to overcome debt. Think about any activity or hobby which can help you to earn a side income. Look for ways to reduce expenses, such as cooking at home, carpooling, or shopping for discounts.

• Pay off high-interest debts first:  If you have multiple credit card debts, then focus on paying off the one that has higher interest. By prioritising these balances, you can minimise interest charges and save money in the long run.

• Debt consolidation: Explore options for consolidating your credit card debt into a single loan or balance transfer with a lower interest rate. 

• Pay more than the minimum: Whenever possible, pay more than the minimum amount due on your credit card bills. This approach accelerates your debt repayment progress and reduces interest accumulation. To make sure you don’t miss a payment, set up automatic payments for your credit card repayments. 

Remember, overcoming debt takes time and discipline. Stay motivated by tracking your progress and celebrating small milestones along the way. With perseverance and smart financial decisions, you can break free from debt and create a brighter financial future for yourself and your family.