The hardest thing to do, but one of the very best is to sit down and figure out what you absolutely have to pay each month--minimum-- and then see if you have any extra left over. If you do, try and appy at least half of what is "left over" for paying down any debts. It is incredibly difficult but it can be done. The best book I have ever read about this is by Dave Ramsey--The total money makeover. IT works. We have been doing it for about about 4 years and actually finally feel in control.