l you have. During this period, you also want to avoid adding any new debt or increasing any other payments in any way, including moving to an expensive house or apartment, or even adding a cell phone if If everyone knew the answer to that, no one would be having financial problems. The problem is, some of us know what the answers are and don’t follow them, but some of us just don’t know. We’re guilty of not planning and thinking we can do more than what we really can. The sad part is that most of us are just one paycheck away from bankruptcy – if we were to be laid off, we would have no cushion to protect us. With today’s economy and the uncertainty of jobs, everyone should have at least two months’ pay in a savings account.

The original question was how to get out of debt. The first thing to do is get rid of the credit cards – at least until you pay them off. Develop a plan where you pay one off, and then add what you were paying on the other to the second, and so on until you have paid off every bill you have. During this period, you also want to avoid adding any new debt or increasing any other payments in any way, including moving to an expensive house or apartment, or even adding a cell phone if y

not planning and thinking we can do more than what we really can. The sad part is that most of us are just one paycheck away from bankruptcy – if we were to be laid off, we would have no cushion to protect us. With today’s economy and the uncertainty of jobs, everyone should have at least two months’ pay in a savings account.

The original question was how to get out of debt. The first thing to do is get rid of the credit cards – at least until you pay them off. Develop a plan where you pay one off, and then add what you were paying on the other to the second, and so on until you have paid off every bill you have. During this period, you also want to avoid adding any new debt or increasing any other payments in any way, including moving to an expensive house or apartment, or even adding a cell phone if

us. With today’s economy and the uncertainty of jobs, everyone should have at least two months’ pay in a savings account.

The original question was how to get out of debt. The first thing to do is get rid of the credit cards – at least until you pay them off. Develop a plan where you pay one off, and then add what you were paying on the other to the second, and so on until you have paid off every bill you have. During this period, you also want to avoid adding any new debt or increasing any other payments in any way, including moving to an expensive house or apartment, or even adding a cell phone if

et rid of the credit cards – at least until you pay them off. Develop a plan where you pay one off, and then add what you were paying on the other to the second, and so on until you have paid off every bill you have. During this period, you also want to avoid adding any new debt or increasing any other payments in any way, including moving to an expensive house or apartment, or even adding a cell phone if l you have. During this period, you also want to avoid adding any new debt or increasing any other payments in any way, including moving to an expensive house or apartment, or even adding a cell phone if you don’t already have one. Pay off all the old debt before you add anything new.

Once the debt is paid, you have to develop a plan to stay out of debt. If you’re a person that likes to shop, then either stay away from the credit cards, or have their credit limits reduced so they become an “emergency” tool. Get into the habit of not charging anymore than you can pay off when the bill cycles unless it’s an emergency, and that doesn’t mean a new pair of shoes or jeans. We’re talking about a car that doesn’t run, or a sick relative out of town, or maybe an out of town wedding that wasn’t planned early enough for you to save money. You must also start saving money every payday so that if something does come up, like the out of town wedding, you have the money in the savings account to cover it without using