There are numerous calculators available on the World Wide Web. I have selected several that I think will help you set goals and stick to them.

These calculators cover such issues as debt, interest rates, repayment time, and total payments. If you can see how much you are paying for credit, and for how long, you will have an incentive to stick with a debt-elimination program.

If you owe money on more than one credit card, the correct strategy is to speed up the payment of the one with the highest interest rate. Make the minimum monthly payment on the others. There is a calculator that lets you see how fast you will get out of debt by using this strategy. To access it, click here.

If you can arrange it, transfer debt from your highest-rate card to a 0% trial credit card, one that has a fairly low rate after (say) a one year 0% rate. To see which cards allow this, click here. These companies think you will not pay off your credit card debt early. Fool them.

After you have made the transfer, pay off the the second-place card as fast as you can.

Transfer as much debt as you can to the new card. If you can transfer all of your credit card debt this way, praise God and accelerate your monthly repayment schedule.

Here is the recommended list of debt calculators.