Debt management

I would suggest that you first write down all of your debts on paper. I would then make yourself a budget to pay on each one of them every month, more than the minimum payment amount. Next, I would try not to go into anymore debt until those debts are paid in full.

The first thing you need to do is to make a list of what you owe and how much. It might be shocking, but it's like starting a diet, you gotta know how much you weigh before you can lose anything. Once you have that list, its best to start with the lowest balance. Send minimal payments to everyone and apply everything you can to that lowest one. Once that one is paid, continue that pattern with the next lowest balance and so on and so on. It becomes a snowball effect and by paying something off, it gives you renewed determination to continue your plan. Good luck to you!