If you want to drive your debt to 0, but you don't know how much is going to CC debt, you should. Prepare a list of all your debts, along with the monthly minimum payments, the monthly payments you are making ( use last months), and monthly interest charges. The interest charges are "waste"; you get nothing new for them, just to continue carrying the debt for what you bought in the past. Add up the total monthly CC payments you are making, subtract the monthly interest and fees charged, and that is the amount of principal you are paying off each month. Divide your total CC debt by that amount, and that is how many months it will take to pay it off, based on how you are currently budgetting.
