Though this type of debt elimination may take long, it will be the easiest on your lifestyle. 2) Get help - Credit card debt elimination may not be easy for you to do alone. Thankfully enough, there are a lot of institutions that can help you with this. If you try to accomplish the task of credit card debt elimination alone, you might end up being buried in the complexities and intricacies of the task. 2) Expertise - A good debt elimination program should be developed by people who know what they are doing. You need a debt elimination program that is formulated by experts. Before you try out the debt elimination program, you need assurances that the program will be able to help you manage your finances. Debt elimination calculator is like a software used in computing for the credit card debt consolidation options. With the debt elimination calculator, you and your advisor are able to find out the most reachable monthly savings that you can incur. Amazing, is it not? This becomes attainable through the carefully planned out and intelligent combination of several bills which are compounded into one. 3) Find out what is the extra amount you can pay - After you have made the minimum payments for all of your listed debts, try to find out if you can spend an extra amount to start paying off your smallest debt. This means that even though you will be reducing all of your debts, your smallest credit will be eliminated much faster than the others. You do not want to spend the rest of your life working to pay off a convenience. 2) Debt limits your abilities - Whenever you are in debt, you find that you aren't really at the top of your game. People work to earn cash. They work to have the little conveniences that make a life worth living. This empowers them. 2) Pay more than the minimum balance on your debt - Credit companies often require people to pay just a percentage of their debts monthly. If you are thinking that this was intended for your convenience, you would be very wrong. Credit companies get their income from interest. The longer you are indebted to a company, the bigger the interest is going to be.