time, you can make a difference to your debt every single day, the choice is often in your hands as to how much you spend and what you spend it on, the less you can spend the more you can put towards ending your debt and getting out of the red.
it might seem odd but i do urge you to save too, if you have no spare money how do you pay for those emergencies that happen? if you have no money, then you will need to turn to credit again; this is not going to make your journey easy, having some money, can mean the difference between paying out 