This may seem like an impossible mountain to climb and sometimes you may think to hell with it. This is not the way at all as you will lose everything in the long-run. What you need to do is sit down and take a good long hard look at your incoming money and your outgoing money. This is often a hard lesson as you will see where money is being wasted and we are all guilty of that. It is scary to see how much the lunch at work with a coffee builds up over a few weeks into a tidy some of money spent for no gain. I would advocate being really honest with yourself and write down how much you spend and on what every time you get your wallet out. One way of potentially halving what you pay out in interest charges is by taking out a big loan to pay off all your little ones. This is called a consolidation loan and it really does work because instead of needing lots of different payment options you would only need to manage one payment.Most money lenders will be quite happy to be getting some money from you and honesty with them is the absolute best policy as they want their money back and will try to help you out if you are honest with them in the first instance of you getting into a bit of trouble. A lot of money lending companies know that once you have a bad credit history then it is an uphill task for you to get more money. Some lenders will actually look into your history and circumstances then make a decision on that as to whether they lend you money. Do not give up if you get into trouble as some honest thinking about your spending and telling the financial companies what is going on will help to get you out of trouble. They will probably call you in and go through various methods of getting yourself back on track and a consolidation loan would be one of the best options to go for.