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NEW YORK (MainStreet) — Want to get out debt? Well, this plan may work for you! Are you at a place where you are swimming in credit card debt? Well, you are not alone. Millions of Americans are consumed with too much credit card debt and a result feel financially stressed.

After finding myself in thousands of dollars of credit card debt, I knew it was time for a change. Of course, I could afford the minimum monthly payments, but owing thousands made me feel uneasy. So I finally decided that something had to be done. Although I really felt this was one of those impossible dreams that simply lingered in my head, determined, I decided for once and for all, I was going to be completely credit card debt free.

How I did it

I first had my "come to Jesus moment" and wrote every credit card debt and small loan balance on a Debt Reduction Plan I created.

From there, I divided each balance by 12 to determine the amount I would need to pay monthly in order to bring the balances to zero after a year's time.

Next, I had to get creative. I thought of clever ways where I would be able to earn extra money. This included money earned from self-employment and hobbies. For each month, I created expected additional streams of income that I fully committed to reduce my debt.

Throughout my Debt Reduction Plan, I stuck by my motto – "just say no!" This simply meant, I said no to spending outside of my budget, purchasing items I simply didn't need, dining out and no to another pair of cute black shoes! And finally, I said yes to living inside my budget.

Keep going

In addition, I kept my debt reduction plan with me throughout the entire process. This served as a reminder to help me stay on course.

Therefore when I was tempted to purchase a new handbag or a new pair of shoes, I was reminded that a few months ahead I would have a credit card balance of zero.

I also need to tell you that the process was challenging at times. However, these minor setbacks cannot compare to the feeling of being credit card debt free. So, if you are at a point where enough is enough, then this plan may work for you.

Remember: your choice, your future!

--Kemberley Washington is a CPA and professor. Visit her blog at