MY AMISH MONEY MAKEOVER
The Amish think that debt is a plague to be avoided at all costs, so they avoid all the stinky dead horse business as well, such as high interest payments, late fees, and the sickening knowledge that someone is getting richer somewhere, off of your lack of self-control!
To Do: Resolve that debt is just as useless and gross as a dead horse, and get serious about digging yourself out of that credit hole, whatever it takes. Choose two of the debt-reduction methods listed above, and watch that pile of nonsense start to shrink.