Personal Finance and Investing

I know that sounds glib, but what I really mean is make sure you're exploring all income streams. First of course can you get a better job. Second, can you take on a second job. 3rd, consider if you have a room to rent. Also, do you have assets you aren't using that you could sell, especially clothes, furniture, etc. Air B&B has created an opportunity to make more money. You don't have to do this for life, but it can be the path to paying off debt. And yes, in the end part of this is making sure you're only spending on what you "need", at least until you're out of debt and have a little savings built up (Like $5000 or so).

And depending upon your life situation, do you need to get out of your apartment or house and rent from a roommate for a period of time until your debts are reduced. You don't have to do all of these, but one or two can "solve" your problems.