Let's face it. You've accumulated a load of credit card debt and you don't know what to do. Allow me to share some sensible solutions to your problem. No matter how much you would wish to wave a magic wand and cause the debt to disappear, it won't. No, these are not magical solutions, but practical solutions for getting you out of debt and remain out of debt.

The first move is to understand that your spending is out of control. It truly is. I know there were good reasons to buy as much as you did. Most probably they were emotional reasons. People expected you to buy all that stuff. You were emotionally drawn to it. You just couldn't help yourself.

Bear in mind, commercials you read, hear or watch have only one purpose: to get money from your pocket into the pocket of the advertiser. Commercials are built on emotion. You have to recognize this and start acting prudently with regards to money.

So, now's the time to become practical. Meaning you need to start implementing money management strategies that work in your best interests for the long run. You will need to let go of emotions and practice things that make sense. Toward that end, here are some no-nonsense steps you can take to decrease your debt and remain debt free.

First, determine how long it's going to take you to eliminate your debt. Paying the least amount required every month, it will probably take 5 to 10 years to repay your debt. That's if you don't increase it by buying more stuff. You can probably pay more and may even find a way to negotiate a reduced interest rate with the credit card providers. Both these steps can help you become debt free earlier.

Second, put a small amount of extra money aside for unplanned events. Everyone has unexpected bills. You should anticipate the bills unexpected events will create by building an emergency fund to cover the costs of these unexpected and unwanted events.

Third, since you can likely tell by now, you're going to be running really tight on money. So, you'll really need to make a budget. Look at how much cash is coming in and what your necessary expenses are. Take into account in your expenses money for reducing your debt, plus your emergency fund in addition to other expense like groceries, housing, utilities and transportation. Discover places to cut back. Do not let other people kick your emotions into spending mode. Remain loyal to your budget.

Fourth, when you are having trouble reducing your debt, you should get assistance from a credit counseling agency. The U.S. Trustee Program has an inventory of credit counseling services that can help you. Some provide assistance at no cost (and are paid by the credit card agencies) whereas others charge you a fee for their services. Ensure you agree with any fees before you commit to participating in their plan.

The greater your knowledge about credit and debt the more easily you will manage your hard earned dollars and stay debt free.

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