Hi I am new here.
I am a woman 30 something with big debt( loan, credit card, car loan and family loan )
You will get to know me from time to time 
but please excuse my english because english is not my first language.
My goal is to pay off credit card debt by Christmas 2008.
CC 1 : AM visa 887.30
CC 2 : AM master1594.09
CC 3 : MBF 2756.15
Total : 5237.54
I need some advice and motivation.
Hi! I am new here
November 25th, 2007 at 12:14 pm
November 25th, 2007 at 12:34 pm 1195994093
November 25th, 2007 at 01:43 pm 1195998190
I'll start with the standard advice and that is to make the minimum payments on everything but the loan with the highest interest rate (regardless of balance). Put all extra available funds toward that loan. Once that is paid off, move to the next highest rate and so on down the line.
Of course, the other standard advice is to trim your living expenses as much as possible until you are debt-free. Cut back or cut out anything you possibly can so you can direct the maximum amount toward debt reduction.
Good luck.
November 25th, 2007 at 03:36 pm 1196004983
November 25th, 2007 at 11:40 pm 1196034012
November 26th, 2007 at 12:16 am 1196036210
Im also in a same situation here, got lots of CC debts & car loan and soon-to-be mortage loan as well.
But we all will try our best 2 overcome it, rite?!
Btw, english also not my 1st language.
Im fr Asia , basically Chinese was my mother tongue, follows by Malay then only engish.
November 26th, 2007 at 01:52 am 1196041942
The beginning advice is very much the same as what disneysteve told you - no magic, no secrets.
I'd add that its a good idea to track your spending for at least three months. Get an idea of what you currently spend money on, especially recurring bills. Its usually eye opening! The next step is to cut the spending on things that are less meaningful, and see if you can cut spending on meaningful things - cell phone bill is meaningful but perhaps you can look at the bill for hidden charges.
The other thing is that you have to be willing to save money.
Good luck - let us know you how you are doing.
November 26th, 2007 at 01:52 am 1196041956
November 26th, 2007 at 07:32 pm 1196105564