The slightest difference in the interest rates posed by the credit cards is sure to make a big issue. Just look at the monthly billing statement that comes to you and take a look at how careless you are in spending. You will avoid risking the occurrence of debt when you follow this step. Pay your dues. It is always wise for you to weigh things and consider all of the possible and available options that come your way. More so, some debt consolidation firms may charge really skyrocketing fees. But you can avoid this if you are only wise enough in finding effective methods of debt elimination options. If you want a debt elimination strategy to work, you need to implement it now. You need to just put down those credit cards and walk away. Do not kid yourself by saying, "but I can do that anytime I want to". The fact is, the attitude of "shop-now-worry-later" brought about by credit cards can be addicting. 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. They are motivated to work because they know that there will always be a reward at the end of the fight. Because there are times when insults are inevitable, both of your angers are picked on. This leads then to a greater trouble. It is said that you must strip away that negative feeling from yourself and instead, talk about the most possible consensus which you deem will work best for both of you. Patience must be integrated into the communication so that a definite and workable solution will be arrived at. However, there are debt elimination companies today which take your money and then offer some half-baked advice on a good debt elimination program. Remember that you need someone to help you manage your finances. You do not need another company who wants to take all of your cash. 3) Personalization - A good debt elimination program should be suited to your needs.