We all have to do our best to make things better.  I made copies of the article by Joanna Pompilio and emailed to family and friends, with a pass it on message attached.  You might want to Google the article 7 Ways to Eliminate Credit Card debt by Joanna Pompilio.  The 7 steps are: 

1.Separate Bad Debt and OK Debt

2. Don't Play by Their Rules

3. Get Intimate With Your Visa 

4. Play the Heavy With Your Existing Lenders 

5. Lather Rinse Repeat

6. Be Prudent  

7. Resolve to Spend Less Than You Make 

 Read the article at www.nowthatiknowit.com/Credit.html