We've all been there at one point: faced with debts that seem to bleed us dry. Credit cards are a primary culprit of ballooning financial concerns--while they can give you a false sense of money security when you get them, if you're not careful, you could end up way in over your head.

Scroll through our gallery and learn of 15 simple and effective ways you can say hello to a debt-free future.

Read these articles for more money advice:

(First published in Good Housekeeping Magazine, Money Guide section as "Wipe out Your Debts"; adapted for use in Female Network)

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