Avoid debts they say now that the economy is deteriorating and people are worried about their jobs, everyone is finally thinking about debt load. Sometimes using our credit cards can be so tempting without realizing that we are actually spending more whenever we use these little plastics. With credit cards so convenient it was so easy to drawn into huge amount of debts but so hard to get out of it.

Focus on the Prize. Motivate yourselves by looking at the reward, seeing the numbers go down is a huge motivator. Post it somewhere that you can often, maybe in your computer monitor. Also it will serve as a constant reminder; reducing debt is a long journey that takes discipline. Setting a constant reminder will help, like maybe setting an alarm on your phone or anything that can trigger your mind to remind you of the bills that you owe.