If you want to get out of debt, you will have to do some sacrifices for a while. How fast you get out will depend on what you are willing to do.
There are 3 main things you need to do ... reduce expenses, automate debt payment and increase income. More specifically, here's what I suggest:
1- Do a budget and eliminate any non-vital expenses (restaurants, home improvement projects, new furniture, etc). Non-vital means anything you don't need to survive while you pay your debt.
2- The money you save from # 1 should go directly to pay your debt with the highest interest rate. Once you eliminate one, you put the additional money on the next debt.
3- Automate your debt payment. Once you have figured-out how much you pay every month, automate it. That way, you will be able to spend your energy on #4.
4- Find additional income stream(s). Get a 2nd job, offer your services as a consultant, etc. All extra money generated obviously goes to paying the debt.
Good Luck!
René
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