Monitor your progress
Once you have implemented your debt elimination plan, it is time to see how you are doing. Don't think of your plan as something that can't be changed, because emergencies always happen when you least expect them. Don't get frustrated if you can't make that extra payment one month, or if you have to use a credit card for an emergency. Adjust your plan to account for the unexpected expense, and then recommit yourself to attaining your debt elimination goals.
If you find yourself constantly using your credit cards, or delaying your planned extra payments, it's either time to revise your plan so that it's more realistic, or it's time to seek help. If you think you just need to make a few small changes and you will be able to make your payments, then it would be a good idea to develop a budget to go with your debt elimination plan. The budget will help you figure out where your money is going, and how you can lower your expenses so that you will have the money you need to pay your debts.
If you can't really identify the changes you need to make, or you are not certain that they will solve your problem, consider getting some professional financial counseling and debt consolidation help.
Step 7 - Get Help If You Need It