If you have a lot of bills to pay, it can sometimes seem like you're not getting any closer to your goal of paying off your debt. Don't get discouraged, though. All you really need is a good system. Watch as Carmen Wong Ulrich explains the fastest, most efficient way to reduce your debt.
If you have a financial question you'd like Carmen to tackle, post it here in the comments or email us directly at firstname.lastname@example.org
Watch Carmen Wong Ulrich's 'On The Money' Saturdays at 8PM ET on CNBC! Find more information on coping with the economy with our Bail Yourself Out resources.