Ken Clark, a certified financial planner, says the first step is to take your credit cards out of your wallet -- and keep them out.
Experts say some of the same rules for cutting calories also apply to consumers trying to cut credit card debt.
"I hit a skid in July, and I just could not catch up," Davis said. "I was paying the minimums, but, you know, I want to pay them off."
Davis is a teacher, and she said she plans to teach herself how to pay for things with cash.
Ken Clark, a certified financial planner and author, said Davis is on the right track.
'"The trick for Angela will be taking that motivation and putting it into a very practical -- not just theoretical -- but very practical action plan," he said.
Clark's first suggestion is to take the cards out of your wallet: Hide them, freeze them or cut them up if you have to.
Then start training yourself to always pay with cash, "whether they set aside money in an account for groceries, for regular variable expenses, or they keep it in an envelope in a kitchen drawer."
"I'm telling you, I can't remember what I bought on these cards -- going out to eat, just frivolous, frivolous stuff," she said.
She has expensive shoes that she's worn only a few times, a $425 handbag she's only carried twice, signed art that she hasn't framed or hung up.
Clark's tips for a credit card diet are:
Davis said she wants to have at least three cards paid off within six months.
"I think it's doable," she said. "But it's going to take a sacrifice."
Clark's book, "The Complete Idiots Guide to Getting Out of Debt," will be released on Feb. 3.