When you get serious about getting debt free, God will meet you to make it happen. He wants you debt free more than you want to be debt free. Witness. He said so in The Written Word.
Today I was about to buy something that I wanted, but don't need because it was on sale. I had it in my shopping cart on the website, and as I walked back to get my credit card I thought aloud, "Do I need this right now? Yes, I'd be replacing something lost in the past, but do I need it right now while I'm wanting to pay off this card by month end?" Let me tell you, those questions were Holy Spirit speaking and releasing Wisdom through my spirit. Thank You, Jesus!
My flesh wanted to shop because I have money sitting in the bank. But the money sitting there was an answer to my prayer that I'd be able to pay my credit card bill that I racked up over my budget in December. I decided that since I'm itching to spend money, I'll pay the bill early instead of playing around with the potential to spend money unnecessarily.
I know if God's willing to help me be debt free that He's available to you, too. After you make the decision to be free, stay in faith, speak The Word boldly and start paying your bills down. You can do it.