bruised credit

The first step to becoming debt free is to know how much debt you actually have. Next you want to pay off the debts with the highest interest rates first. Try to pay more than the minimum payments if at all possible, create a budget and try to stick to it as best as possible. Is it an option to consider a part time job to help bring in some more income. Sell any items that you know longer use that are just taking up space but could be of use to someone else. Try to live without luxuries like eat in as much as possible and spend quality family time at home instead of always going out and spending money at different events. You may also want to consider a debt consolidation.