The nasty four letter word - DEBT

Okay, so we know it’s bad. There’s a lot of debt and money problems out there. So, what do we do?
If we have debt, then we need to re-work our budget so we are spending less than we make and we need to be focusing on paying off that debt. I’m not talking about reasonable mortgage debt; I’m talking about credit card debt, leon’s “don’t pay a cent event “debt, line of credit, etc.
What else can we do if we’re in debt?

Here are some ideas:
· Cut up credit cards so we’re not tempted to use them.
· Call credit card companies to try and get a lower interest rate.
· Use envelope system or cash-only for budget items. For example, I can pay all my bills and whatever is left gets divided into envelopes (groceries, entertainment, household supplies, etc.) This forces us to spend within our budget and when the money’s gone, it’s gone.
· Stop going to the mall (this is only if we’re in debt –otherwise I say, go for it!)
· Sell stuff on kijiji and craigslist that we don’t need and use that money to pay off debt.
· Reduce stuff on our budget.
· Work more.

What other ideas do you guys have if we’re in debt and we’re trying to get out of debt?
I’d love to hear your comments and feedback.