People use credit cards almost every day. You pay for things you need with your credit card all the time—groceries, movies, gas—but all of a sudden, you realize you’ve spent a little too much, and your debt is really starting to grow. Before you know it, you need to figure out how to pay off credit card debt.

It always sucks when the stress of debt comes knocking. But fortunately, you don’t need a loan shark. Whether you have a lot of debt or a little, we can help you pay it off. The following five tips are a great read for anyone who needs to know how to pay off credit card debt (and if you have any debt, you should be paying it off). So, without further ado, here we are:

1. Set Strong Goals

It’s important to set exact financial goals for yourself when you’re trying to pay off credit card debt. Know what you’re saving for, know how much you need to spend each month, and know how much income you have. Make sure to calculate the numbers as precisely as you can. Credit card debt can be a real killer, so you need to pay it off as quickly as possible to start moving towards your dreams.

Write down your goals, so you know what you’re working towards. Use exact numbers, like, “I’m going to save $100 this month.” Once these goals are clearly defined, write out a budget that you can follow by subtracting your monthly expenses from your monthly income. Saving money is an important part of paying off credit card debt.

2. Organize Your Debts

There’s a good chance you have multiple credit cards, and you need to organize the debt balances. Find your most recent credit card statements, or you can even go online and get a credit report. Once you find a list of your balances, then you can figure out how to pay them off.

3. Negotiate to Pay Off Credit Card Debt

Call your credit card companies and talk to them. Try and negotiate to get your fixed rate lowered, or maybe consolidate all your credit cards. Plenty of companies will be happy to work with consumers if they know you’re serious about wanting to pay off debts. If you can lower your rate even a little bit, you’ll have saved some money, and if you can consolidate your cards, you won’t have multiple debts to confuse you.

4. Focus on the High Interest Rates

When you have multiple cards, the rates are unlikely to be the same. It’s important to pay off the card debt with the highest interest rate first, as this will save you the most money. That card costs you more than the others, so the faster it’s paid off, the better.

5. Stick to Your Budget

Make your budget, and don’t stray from it. This will stop you from racking up more future debt and will help you pay off current credit card debt. A big help is to stop eating out. You can save hundreds of dollars a month simply by going out to eat less often.

I hope this little guide has helped you learn how to pay off credit card debt. It’s often hard to keep finances straight, but I hope we’ve made a difference for you!