::Face up to what you owe Financial solvency with fearless honesty. So, sit down and tally every last centavo.
::Set up an emergency fund Having back-up savings will help keep you from going father into the red.
::Repay aggressively A good online debt calculator lets you run “what if” scenarios with different repayment amount and deadlines. Choose a plan that’s more demanding that you’d like.
::Track your money Keep a spending diary for at least two weeks you’ll why and how your cash is leaking away.
::Inspire yourself Visualize your post-debt life, when you will be able to use your money for some interesting and more important things.
::Go on cash-only diet Is a known law of financial physics: plastic attracts debt. So, cut up all your credit cards (except one, for emergencies), and when you buy, spend actual money.
::Pay bills more often Many successful individuals make debt payments two or even four times a month. This pares down principal faster and reduces interest too.
::Adopt a “no excuses” strategy You may not want to take on a weekend job or sell your grandmothers jewelry – but maybe you should. Do whatever it takes to succeed. You thank yourself when your debt load shrinks.

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