Once you have consolidated your debt into as few accounts as possible, determine the maximum amount that you can pay toward your debt every month. Pay the minimum payments on all the accounts except for the one with the highest interest rate. For that account, pay whatever you can more than the minimum amount until the debt for that account is completely gone.

For instance, let’s say you can afford to pay $700 toward your credit card debt every month. You have 5 accounts (for the purpose of keeping this relatively simple, let’s say that they all require the same minimum payment: $100). Now each account has the following interest rate:
account A: 20%
account B: 21%
account C: 22%
account D: 23%
account E: 24%

Each month, pay $100 on accounts A, B, C, and D but pay the remaining $300 toward account E until it is completely paid off. Then, once E is paid off, pay $100 per month toward A, B, and C but pay the remaining $400 that you can afford to account D. Keep doing this until you have all accounts paid off and then control your credit card debt by never spending more on your cards per month than you have in your bank account to pay them off at the end of the month.