Hoping to be debt free. Where do i begin. My credit card debt is overwhelming and scary just like in horror movies. If only i could rewind and start all over again during those days when i have no single credit card. But it is over, i have to face reality. First i have to accept and to forgive myself for mishandling my finances. It is not too late . I have to set my goal. Debt reduction of 25% for this year.