Are you carrying too much debt? Are you living week to week praying that you can meet your expenses or at least make the minimum payment on your ballooning credit card bills? Are you stressed? Do you feel hopeless? These days you are not alone. Recent studies indicate that the average American household is carrying about $9300 in credit card debt. Getting out of debt is possible; painful and slow but very possible. Everybody needs to start with a simple plan that can be stuck with. This timely and concise article will help you take that first step towards developing a plan to get out of debt.