Stop adding more debt: No kidding right? Well, if its so simple why arent you doing it? Think of your debt as a small hill of dirt in your back yard. To get rid of that dirt hill, you need to dig out a shovel at a time. Now imagine for every 2-3 shovels of dirt that you dig out, you toss 4 shovels back on. How long will it take to get rid of that little hill? Piling on more debt while you are trying to get out of it doesnt make much sense either.


1. Get rid of your credit cards: One of the biggest down falls that most of us have is the reliance on credit cards. Unlike spending real cash, when you charge it to a card you dont feel the burn. So if you cannot control how much you spend on your card, then cut up your cards, leave them locked up at home, freeze them or bury them until you are out of debt. (Note: Dont close the accounts since that can result in reducing your credit score!)

2. Change your attitude: Like everything else in life, getting out of debt is heavily dependent on your attitude. Switch to a Can Do attitude. Stop giving into the victim mentality or self-doubts of whether you can do it. Start attacking debt and dont stop until its all gone.