The average American household now carries $15,422 worth of credit card debt, according to personal finance site nerdwallet.com. Trying to pay off a balance of that amount can take one heck of a chunk out of a monthly budget. It can be done, however, with determination, grit and some sound strategies. It’s time to regain control of your finances by tightening your belt and living within your means. Here are a few tips to get you headed in the right direction.