A Penny Saved is a Penny Earned

A Penny Saved is a Penny Earned -
Benjamin Franklin

Reducing Debt

I believe you can accomplish anything in life as long as you have a plan. It may be a six month plan, a year or even ten, but as long as you're working toward a goal you can accomplish it.

Getting out of debt takes time. In nine years I had paid off all my debts, including mortgage. The tool I used the most was an Excel spreadsheet to keep track of my spending and goals.
Once you have paid off one debt, use that allocated monthly amount toward another debt as shown on the chart.