1. Don’t get into debt
2. Spend less than you earn.
3. When debt is closed out
4. Take stock of all your liabilities
5. Have only one credit card and only one loan
6. Build up an emergency fund first
7. Cut up your credit cards.
8. Speak to a credit counseling service
9. Stop using credit cards to make it to the next paycheck
10. Don’t overpay your debts
11. Avoid eating out
12. For entertainment
13. Don’t pay off your credit card balance from the emergency account.
14. Look for expenses coming up
15. Make a budget
16. Snowball the debt 
17. Be on the same page as your spouse or partner.
18. Recognize your spending tendencies
19. Read Dave Ramsey.
20. Keep trying and don’t give up.

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