So many people today in America are living above their means. They cannot pay their monthly bills, creating debt that their are drowning in.
Stop buying things you DO NOT need.
Example: I was spending at least $10 a day in lunch a day that's $50 a week. $200 a month and $2400 a year.
I have started bringing my lunch to work, yes it might not be the coolest thing to do. But with this new found savings I am able to allocate more funds in to paying off debt.
Figure out what your monthly bills are.
Are you making enough each month to pay all of the bills you currently have? If not, what are you going to do. Pick up a part time job? Start blogging? Figure out something you can do that others cannot, some people would be willing to pay for the service you provide.
Pay down the lowest amount of debt with the highest interest rate first, this will help you in two ways. One it will stop the additional money being added to the debt via Interest. Two it will make you feel like you are putting a dent, and gaining momentum in your battle against your debt.
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