Speak to a credit counseling service to help work out a plan: your “must pay” outgoings, arrange with creditors to freeze interest and accept a revised monthly payment.

Stop using credit cards to make it to the next paycheck. Stop getting further into debt.

Don’t overpay your debts — leave enough so you have enough for regular expenses too.

Avoid eating out. Cook your own meals, except on very special occasions.

For entertainment, visit friends and be creative on how to entertain yourselves and your family without spending a dime.

Don’t pay off your credit card balance from the emergency account. Don’t touch the emergency account at all — it doesn’t exist!

Look for expenses coming up in the future and plan for them, so you don’t have to go into debt when they come up.

If these are not good, just tell me so I don’t have to write it. Be honest. If it helps you at al, just let me know. I have 59 more tips.

what are the rest/ I need helpppppppppppppppppppppppppppppppp!!!