Visit credit counseling for debt assistance in the United States. Don't be afraid to seek professional help if you need it.Talk to your creditors-depending on your financial situation, they may have suggestions or options available to help reduce your debt.Use unexpected money such as gifts or tax refunds to pay down your debt.Learn to negotiate with vendors-not every price is set in stone.Stop using credit cards for non-essential purchases-just say "no" when you don’t have the available cash.Consider a balance transfer or debt consolidation loan-but only if you can save on interest and avoid getting into more debt.If you have more than one credit card, after you make the minimum payments on all your cards, pay the credit card balance with the highest interest rate first-you'll save money over the long run.You can set this up quickly and easily in Online Banking. Even a little more each month can help reduce your debt faster. Once you have a budget and know how much you have available to spend, use it effectively for controlling your debt.
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