cription of the item. Tell them it is on a first come first serve basis. Also, let them know that you will be having an yard sale. This will create a sense of urgency. Put this money towards your debt.

5. Get a part-time job or business. Sit down and write out all the costs. Many times people find out that it is actually cost them more to go to the job (gas), eat out (food), and get home (gas), then they actually make. If this is the case consider

Debt has become a bigger and bigger problems for many people. It can ruin families and relationships. Unfortunately it is just the by product of our get-it-now society. We often think of making more money when we may be wasting the money that we currently have. We can start today to get ourselves out of the debt pit that we have fallen in. Lets take the first 5 steps and it will get easier as we go.

1. Have a Reason-Set a Goal. It is easier to take change if we have a reason why we are making the change. We need to write out how our life will be better if we have less debt. What are we doing it for. Make sure you focus on benefits not feature. A higher credit score is a feature, being able to qualify for our dream house at a low interest rate is a benefit.

2. Write down your expenses for a week. Believe me, if you are not disciplined enough to do this, you will not be disciplined enough to follow a budget. This will give a snapshot of your spending habits. It will show how much your are spending and where it is going.

3. Be honest with yourself. If eating out is a problem, you have to admit that. Make a commitment to eat one less meal a week and use that money to pay off your debt. Whatever it is that is causing the problem, be honest with yourself. Get out of denial.

4. Sell some items. I know you maybe able to look around your house and find some items that you are not using. If the thought of a yard sale does not excite you, there are other ways:

Make a list of all the items that you would like to sell. Put a name or two by each item. Then call that person. Tell them your are about to have a yard sale, but you thought of them first. Offer them the opportunity to buy it.

You can use that same list and send out an email to all your friends. List the price you want and a description of the item. Tell them it is on a first come first serve basis. Also, let them know that you will be having an yard sale. This will create a sense of urgency. Put this money towards your debt.

5. Get a part-time job or business. Sit down and write out all the costs. Many times people find out that it is actually cost them more to go to the job (gas), eat out (food), and get home (gas), then they actually make. If this is the case consider a

hange if we have a reason why we are making the change. We need to write out how our life will be better if we have less debt. What are we doing it for. Make sure you focus on benefits not feature. A higher credit score is a feature, being able to qualify for our dream house at a low interest rate is a benefit.

2. Write down your expenses for a week. Believe me, if you are not disciplined enough to do this, you will not be disciplined enough to follow a budget. This will give a snapshot of your spending habits. It will show how much your are spending and where it is going.

3. Be honest with yourself. If eating out is a problem, you have to admit that. Make a commitment to eat one less meal a week and use that money to pay off your debt. Whatever it is that is causing the problem, be honest with yourself. Get out of denial.

4. Sell some items. I know you maybe able to look around your house and find some items that you are not using. If the thought of a yard sale does not excite you, there are other ways:

Make a list of all the items that you would like to sell. Put a name or two by each item. Then call that person. Tell them your are about to have a yard sale, but you thought of them first. Offer them the opportunity to buy it.

You can use that same list and send out an email to all your friends. List the price you want and a description of the item. Tell them it is on a first come first serve basis. Also, let them know that you will be having an yard sale. This will create a sense of urgency. Put this money towards your debt.

5. Get a part-time job or business. Sit down and write out all the costs. Many times people find out that it is actually cost them more to go to the job (gas), eat out (food), and get home (gas), then they actually make. If this is the case consider

a budget. This will give a snapshot of your spending habits. It will show how much your are spending and where it is going.

3. Be honest with yourself. If eating out is a problem, you have to admit that. Make a commitment to eat one less meal a week and use that money to pay off your debt. Whatever it is that is causing the problem, be honest with yourself. Get out of denial.

4. Sell some items. I know you maybe able to look around your house and find some items that you are not using. If the thought of a yard sale does not excite you, there are other ways:

Make a list of all the items that you would like to sell. Put a name or two by each item. Then call that person. Tell them your are about to have a yard sale, but you thought of them first. Offer them the opportunity to buy it.

You can use that same list and send out an email to all your friends. List the price you want and a description of the item. Tell them it is on a first come first serve basis. Also, let them know that you will be having an yard sale. This will create a sense of urgency. Put this money towards your debt.

5. Get a part-time job or business. Sit down and write out all the costs. Many times people find out that it is actually cost them more to go to the job (gas), eat out (food), and get home (gas), then they actually make. If this is the case consider

e and find some items that you are not using. If the thought of a yard sale does not excite you, there are other ways:

Make a list of all the items that you would like to sell. Put a name or two by each item. Then call that person. Tell them your are about to have a yard sale, but you thought of them first. Offer them the opportunity to buy it.

You can use that same list and send out an email to all your friends. List the price you want and a description of the item. Tell them it is on a first come first serve basis. Also, let them know that you will be having an yard sale. This will create a sense of urgency. Put this money towards your debt.

5. Get a part-time job or business. Sit down and write out all the costs. Many times people find out that it is actually cost them more to go to the job (gas), eat out (food), and get home (gas), then they actually make. If this is the case consider

cription of the item. Tell them it is on a first come first serve basis. Also, let them know that you will be having an yard sale. This will create a sense of urgency. Put this money towards your debt.

5. Get a part-time job or business. Sit down and write out all the costs. Many times people find out that it is actually cost them more to go to the job (gas), eat out (food), and get home (gas), then they actually make. If this is the case consider a part-time business. If neither of these work, check and see at your job if any department is offering overtime.

We all need to make an effort to reduce the amount of debt we have. It will do no good to cut up the credit cards if we don't change our habits. We will achieve financial freedom much sooner if we are out of debt. Then we can choose how, where and with whom we want to spend our days. See you on the beach. Got Credit Power-Empower Your Life!