Look for new ways to save money

In order to reduce debt, always be on the lookout for new ways to save money. One way is to examine your auto insurance policy. It is possible to get cheap auto insurance from a quality insurer. Many people pay far too much, either due to unreasonably low deductibles or just laziness - they don't spend the time to periodically shop for better quotes.

You can often save hundreds a year just by shopping for a better auto policy deal, and you can then use this money to help pay down your debts. It doesn't take much effort, and given that the savings will extend for many years, it can really help put a dent in your credit card debt.