Debt management

the advice is sound, and effective if you have the means to do so.

 

An old talk show recommended a second job, with the attitude: "You spent yourself into this mess, not earn your way out." Even if it is, say, a $10 /hour part-time job, $200/week eventually earns $10,000/year, and that will make a big dent if you devote 100% of your pay towards the bill. 

Cutting back on phone contracts and television subscriptions can help a lot, also. Those bills kind of grow and grow and grow and grow without you noticing. 

Finally, visit my writings at Wadeeli.substack.com. You may like some of the money-saving ideas there. It starts with your automobile.