10. Create a budget and cut down costs
The first step to getting out of debt is to know your finances. Create a budget that includes your monthly income and expenses. Use an Excel spreadsheet or create an account on a budget website like mint.com. Consider bills, rent or mortgage, credit card payments, groceries, gas, spending money, etc. then decide where you can cut down costs. If you don’t cut back where you can you will only dig yourself deeper in debt.
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