What you should do first is reduce spending.
When you eventually lay out all of your debts with the aid of a debt settlement affiliate, you will see just how much money goes out of your pocket every month and how much of those are actually pointless.
If your earnings are lower than your expenses, then that is how debt comes about and because you inevitably be in a pinch suggests that you're spending beyond your means.
The only answer to manage a debt free life is to scale back on spending.
Buy only the things that you need.
Put a particular bar between splendid luxuries and the essentials.
If you can save money by cutting the cable of doing your manicure at home rather than a beauty parlor, that would tremendously help you ease up on your finances, giving you more money to settle your debts.
Every debt settlement affiliate will tell you on consultation, you have to make a budget and set tangible goals.
In case you have a particular goal that you can strive for, it may be less difficult to stay on track and develop options that can further take you closer to that goal.
Make a list of all your debts and check how much of your monthly salary will be wiped off to be able to pay those bills every month.
This should help you figure out the amount of time it may need for you to pay every single debt off.
Come up with a copy of this list and make it noticeable in your own home or constantly bring it along with you so you will never forget.
This can also motivate you to keep going.
Consider getting other sources of income.
It is a good idea to look for more ways to earn money as you are looking to cut down your debt.
In time you will suddenly realize that your pay is way beyond your spending.
This can suggest more financial savings and less troubles for the debt settlement affiliate that you employed.
You can sell pre-loved merchandise on eBay or Craigslist or even have a yard sale.
The extra funds may be used to slowly and gradually shave off all the money that you owe to creditors.
A second job, if you will find the time for it, will also be a good option.
Maximize your time and your possessions to get just as much money as you can.
These are smart ways to make money while paying off your debts.
If you have taken the smarter route and employed debt settlement affiliate to help you with your debts, they should be able to talk to your creditors and discuss a friendlier term so that you can pay out your loans and credit charges.
Some creditors if negotiated with properly, is able to reduce your interest rate or settle the debt for pennies on the dollar.
Be aware when dealing with this though as it can certainly give you a black mark on your credit history.