It's too embarrassing to tell you how much credit card debt I had at the beginning of the year, but let's just say that it was equivalent to about 50% of my yearly income. In order to pay off half of it throughout the year, I would need to pay well over a $1000 per month and stop using my credit cards completely. The $1000 per month was easy because I already had scheduled monthly payments of $500 on autopay for both cards. It was the not using the cards that was the killer. It is really unrealistic to say that I'm not going to use my credit card, because of where I live. Much of my shopping is done online and I use my Alaska Air credit card for just about everything so that I can accumulate milage points for free flights later.
Anyhow...with my scheduled $1000 per month, plus about other 400-500 a month extra to cover my monthly spending, a few thousand from my tax refund, another couple thousand from my pfd checks, and the use of some of my savings...I was able to pay down my credit card debt by nearly 60%!!!