A new year is around the corner, and many Canadians want to pay down a lingering debt. That’s usually what tops the list of our resolutions.

Here are some steps from Rate Supermarket to tackling credit card debt, and starting 2015 off on a strong financial foot.

Step 1: Divide and conquer; Review credit card and loan statements to get an idea of how much you owe.

Step 2: Build debt repayment into your budget

Step 3: Take down your biggest debts; once credit cards are under control, focus on larger debts like mortgages.

Step 4: Carry the best credit card. Not all credit cards are created equal, use only a low interest credit card.

Step 5: Ask for help. You can consult a financial planner or adviser, or credit counseling agencies.