Clearing off your existing debts

So far we have taken a medical insurance, opened two R.D accounts (one for next year's medical insurance and another one to get a life insurance next year) and of course realized our mistake. Now its time to pay for all the mistakes already done, that is clearing all the debts (card balances & other loans). The first step is to know what is the balance amount that needs to be paid in all the cards. In my case I found out which card had the lowest balance payable and which card had the highest balance payable. I also found out that in which cards where free. I took one such free card and went to a shop I know and swiped the card for the required amount and took the money from him. I then paid back all the balances in the card which had less balances. I then converted this new balance into EMIs. Then I did similar rotations and converted all my balances into EMIs. This way I will not be charged any useless fees and can also pay back my card balances easily. The loans are also in the form of EMI and hence will be paid in the same way. According to current plan all my debt will be cleared by 2011 to 2012 or even before that. So now my debts are also taken care of.