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Would you like to get rid of your credit card debt once and for all? What seems like an impossible task doesn’t have to be. By taking just two steps, you can get your credit cards paid off a lot quicker than you think.

The first step to reducing credit card debt is to stop spending on your credit cards, period. If you think it’s too inconvenient to make purchases with cash or checks all the time, use a debit card with a Visa or MasterCard logo. These are just as convenient to use as Visa or MasterCard Credit Cards, but you won’t overspend, and you won’t rack up anymore credit card debt. You can use your debit card to fill up at the fuel pump, breeze through check out lines and make purchases online.

The second step to take to reduce credit card debt is to take advantage of your choice of Balance Transfer Credit Cards. The goal here is transfer your balance to a lower-interest rate card – ideally, one that waives interest charges for several months or longer.

Figure out how quickly you could pay off your debt if you were paying down principle every month, without any interest. Now look at how long the lower interest rate or interest free period lasts on a potential new card.

As long as your lower rate or zero rate won’t bounce sky high before you pay down the debt, it’s a smart move. Even if you pay a small transfer fee, the opportunity to pay down your debt during the zero interest period will make the fee worthwhile.