The sooner you establish a debt management plan the sooner you will begin to debt related stress diminish. You do not necessarily have to be debt free, but you have to have a plan that is heading you in that direction. Many other things fall into place, once your debt begins to decrease.
The best way to get out of debt is to do it on your own, but keep in mind that this will not work for all situations and there are other alternatives if you feel you need more help managing your accounts. Some attainable debt management plans are explained by financial experts in books they have written.
Most of these plans begin with organizing your bills, finding out what you owe and who you owe it to. I believe that starting with the account that you owe the least on is the best way to go. Some might say that you should start with the account with the highest interest rate and pay that one first and there is nothing wrong with that plan. The reason for paying the lowest first is you feel accomplishment sooner and it will keep you motivated to keep moving forward.
Pay minimum payments on all your accounts and pay as much as you can towards the account you have selected to eliminate first. Target a second account once the first one has been repaid and follow the same process. You should have more to pay towards this account, since you have already paid one of your accounts off. If you follow this procedure you will soon begin to see your debts decrease as well as your stress level.
Debt can be very scary and sometimes it just takes a simple guide to point you in the right direction. Debt management help can get you on your way to debt freedom. Find out how you can get debt management help.