There is more to overcoming debt than merely wanting it to go away. You have made the first step by coming to this site which places you far ahead of the vast majority of people that are trying to climb out of the debt cycle. It's a good first step, but not enough to solve your problem. Before any debt reduction plan can work, you will have to be committed to get out of debt.
Most people looking to get out of debt are looking for a quick and easy fix. If there was one of these, then this site wouldn't be necessary. While it doesn't have to be as painful as you might imagine, it'll take dedication and a change in lifestyle.
Of course, it would be nice to find a way to keep your current lifestyle and reduce debt.
That being said, how difficult this change will be depends heavily on how committed you are to getting out of debt. If you're committed, you'll find that saving more of the money you make is actually quite simple. Chances are you'll wonder why you didn't take the time to implement a debt reduction plan long ago.
On the other hand, if you aren't fully committed to erase all your debt, or you're simply searching for an easy way out with no effort expended, you'll likely find the necessary steps much more difficult, if not impossible.
What is comes down to for the vast majority of people is that in order to be committed to reduce your debt, you have to have a reason. There has to be something that has finally made you realize that the current status quo can't continue. It can be as simple as realizing that the plans you have tried up to this point have failed or as urgent as having creditors knocking at your doors or telephoning you at all hours of the day and night. The ultimate reason really isn't as important as personally knowing what your personal reason for wanting to reduce your debt is. Once you know this, you can use it to motivate you to do what it takes to tackle your debt in a systematic manner.
Make sure that whatever reason you have chosen to face the debt monster and conquer it, that it is a reason that you'll do what it takes to make it come true. With a strong reason to reduce your debt, you have taken a major step in getting your finances in order.
THIS CONTENT IS FOR INFORMATIONAL PURPOSES ONLY. THIS IS IN NO WAY GIVING ANY LEGAL ADVICE OR REPRESENTATION. THE INFORMATION CONTAINED HEREIN WAS COMPILED FROM VARIOUS ARTICLES. FOR ANY LEGAL ADVICE OR REPRESENTATION SEEK YOUR OWN LEGAL COUNSEL.