Olivia Found Herself in Over $10,000 Worth of Credit Card

Olivia found herself in over $10,000 worth of credit card debt after she graduated from college.Most of her purchases on her credit cards came from purchases at the mall which included clothing,shoes,and purses.She also used her credit cards to finance her vacation to Mexico during spring break.Overwhelmed by her high credit card balances,Olivia has decided she wants to start digging herself out of credit card debt.What is the first step she should take?

A) Increase her income
B) Stop using her credit cards
C) Stop buying things she cannot afford
D) Create a realistic budget and use the envelope system