1. Stop Charging - This one may seem obvious but you'd be amazed at how many people continue using their credit cards while also trying to get them paid off. It doesn't help.

2. Bank Online - Sign up for a free money management program online. I use a program called MoneyCenter from Yodlee. These systems let you easily track your total debt balances, payment due dates and net worth. Log in at least once a week to see your progress.

3. Look for a Low Rate - A higher interest rate makes it that much harder to get debt-free. If you have a good credit, look for a credit card with a low rate/0% introductory period and an affordable balance transfer plan.

4. Do the Math - Face your debt demons head on. Use an online calculator to see exactly how much time and money it will take to pay off your debts. Adjust the numbers to find a payment you can afford.

5. Get Professional Help - If you're feeling overwhelmed by your debts, talk to a trusted debt adviser. Credit.com can help you decide if a debt consolidation, debt counseling or debt settlement program might be right for your situation.

6. Put on the Freeze - Having a hard time with #1? Try leaving your credit cards at home in a locked drawer. If temptation still strikes, you can freeze your credit cards in a block of ice (ziplock bag filled with water). If you need to use the cards, you have to wait for them to thaw out first.

7. Cut Back - You can easily cut a couple hundred dollars out of your monthly spending by canceling cable, pausing your gym membership or selling an extra car (insurance and loan payments, a double whammy). Putting this extra money toward your debts could make a big difference.

8. Negotiate - You have some power when it comes to your contract with the credit card companies. Call the remediation department at your banks to see if you can negotiate a reduced APR. Play hardball.

9. Budget - The dreaded "B" word. Does it help to call it a "Spending Plan" instead? Not really. Our downloadable budgeting worksheet makes it a little less painful to set some financial goals.

10. Make More Money - There are really only two fundamental ways to get out of debt: spend less or make more money. Both would be ideal. You could ask for a raise at work, take on overtime, get a second job, hold a garage sale or sell somethings online. Put all your extra funds straight toward your debts.