I believe the most effective way is to not buy anything more and save up for your monthly payments. and NEVER borrow money to pay off another debt.

we've been trying to cut our debts for a few years now, all the credit card debt is now on 0% cards and we have cut down on wasteful spending such as large mobile phone bills and expensive satellite TV packages, all the money saved goes to paying extra off the debts each month

I too am paying off my debt through the use of 0% cards. I was able to utilize a card from Citibank Diamond Preferred Card at 0% for the life of the balance. This really helped me to put my credit card balances there with my monthly payment being 1.5% of the total amount owed. I am able to save money for my Emergency Fund too.

I'm currently fighting off debt by putting money aside to pay off my current credit cards