To reduce and eliminate consumer debt, you have to think in terms of multiples of threes:  Plan to earn three times as much money as you have been over-spending by; plan to reduce your expenses by three times the amount you have been over-spending by; and plan to have it take three times as long to eliminate the debt as it took to accumulate it.  If this seems like a daunting, impossible task, then you need some new strategies, because when you try to sacrifice for too long, you will eventually set yourself up for failure.

How do you move beyond the debt? You need to set a goal, discover the reason for moving beyond the debt, and determine what the rewards along the way will be