Are your credit card bills piling up on your counter top? Feeling overwhelmed and need money now?

The best way to take on a mountain of bills is to sit down and map out a plan of attack. With a plan in place, you’ll be able to rest easier and avoid any additional stress. First, decide how much you can afford to put towards your credit card payments. Your first priority is to pay your basic living expenses; things like rent, utilities, food, etc. Then, take each credit card statement and lay it out according to highest interest rate. Take half of the amount you’ve set aside for credit card bills and put it towards your highest interest rate card.

For example, let’s say you can afford to pay $250 per month towards all of your credit cards. The first $125 should be put towards the highest rate credit card. Next, take the remaining $125 and divide it among the other cards. Repeat this process each month until you pay off every card. You’ll be glad you did, when you no longer need money to pay credit card bills. Instead, you can focus your energy on things you enjoy.