Today people are in more debt than at any other time in our nation's history. Many are spending more than they make each month. In fact over 60% of Americans have an average credit card debt of over $12,000. If you find yourself in this situation, what can you do about it?

First, understand that debt consolidation is not the same as debt elimination. Studies have shown than many people who consolidate their loans end up worse off financially then those who don't. Many people will get a loan to pay off their credit cards. Then, guess what happens next? After they have a zero balance on their credit cards, they start charging them up again and end up in worse shape than before! Debt consolidation companies know this, which helps them stay in business.

What most people need is a way to totally destroy their debt. There are many ways to eliminate debt. However, the first step is to not create more. Second, you need to come up with a little extra money to get rid of your current bills. Third, you need to apply that extra money in a focused debt elimination system.

When starting your debt elimination system, be sure to focus on one bill at a time until it's completely gone. One way is to start with the debt that has the highest interest rate. Another way is to start paying off the one with the lowest balance. Many people have had success paying off the bill with the lowest balance because they can see an immediate reward for their effort. Whichever way you choose, start the process today and you'll have the debt relief that you deserve!