How to clear your credit cards

By now, you should know your income, and how much you can save on your debt repayments per month, so you can see what you can afford to put towards getting rid of your debt for good.

By adding your disposable income, any amount you can save by reducing your outgoings, and reducing your interest payments together, you will see how much you can put towards chipping away at the debt.

The more you can spare, the quicker your debt will be gone and you'll be free to spend your money on whatever you like. It is, however, important to be realistic when you work out your monthly payment total; you're more likely to stick to your plan in the long run.