If you want to get out from under all your debts you are going to need a strict budget that you can use to do so.
You are going to need to know all about simple budgeting and you will need to follow your plan.
Step #1 - Getting your bills together You need to write down each and every single expense you might encounter over the course of the year.
This is where most people make a mistake because they only budget for the month and not for the entire year.
There are things like vehicle maintenance, Christmas, birthdays, license plate fees, and other things you have to pay that are not monthly.
Step #2 - Include some savings in your budget With simple budgeting there is always money being saved.
This is extremely important because the unexpected does occur and you need to be ready for that.
You need to be prepared to pay for the things that you are not expecting to happen because they will happen at some point.
Step #3 - Following your Plan The hardest part for most people is not making the plan to get out of debt with simple budgeting, but instead it is following the plan.
This is something you just have to do and the more times you tell yourself no about spending money that is not supposed to be spent, the easier it will get.