Just look at the monthly billing statement that comes to you and take a look at how careless you are in spending. You will avoid risking the occurrence of debt when you follow this step. Pay your dues. It is very simple to say that you will use your credit card. But then how about paying for your dues? People who try to eliminate their debts without a strategy often make sacrifices that have little or no impact at all on their goal. This discourages them and causes them to start incurring more debt. Having a debt elimination strategy will help you make only the sacrifices that matter. A debt elimination strategy will help you make sure that no unnecessary effort is exerted. By making a solid plan for debt elimination, you should be able to make rational decisions as to how to accomplish your goal. A financial crisis can be a pretty harrowing experience. People who experience problems with debts will tell you that it is quite hard to think clearly about the steps you need to take. A person who needs credit card debt elimination information can carry a book around and have access to that information immediately. Although the internet has been developed into a highly mobile technology, it still cannot beat a book when you need comprehensive information regarding something. Books are also easily accessible. Often, a person will sit down together with an advisor and his or her creditors to analyze the debts of the person and try to consolidate them into a single debt which would be much easier to pay on the part of the client. The advantage to this type of credit card debt elimination program is the fact that a person will find it easier to pay off his or her debts. A snowball, when rolled from the top of a hill, will gather speed and increase in size as it moves. This gives you an idea about what this method of debt reduction and elimination aims to accomplish. The goal of this method of debt elimination and reduction is to eliminate your debts in a way that resembles what happens to a snowball.