Getting Out of Debt

Absolutely. Been there, done that and it really is difficult. The key, starting out, is to establish a very realistic budget. But, you can't do that until you track where you're spending all your money. We had to throw out luxuries and use that money to pay things off. Luxuries such as cable or satellite, internet, magazine subscriptions, eating out, minimum on cell phone, alternate means of entertainment, carpooling, changed our diet and made more things from scratch rather than buying frozen dinners and the like. These are just some of the things we did. There are many forms of open source software out there, meaning it's free, to download that will help you track where your money goes. Also, most computers have microsoft money and it's a good tool to help you see where the bucks are blown, so to speak. Check out these websites for more help and tools to overcome the obstacle.

www.bankrate.com
www.daveramsey.com

Good luck.