In Part I we discussed the first few ideas to be on your way to getting out of debt.
1. schedule a time each week to pay bills
2. create a designated place to put bills as they arrive (folder or a nice box)
Next step. If you don't know already... find out how much money you owe. Enter this information in an Excel document or on this form and total your monthly expenses.
If you have done all the steps so far you should have a scheduled time to pay bills each week, a designated place to put your bills when they come in and the awareness of how much money you owe. (If the amount you owe is huge - don't panic. Remember - knowledge is power. Nothing has changed, you still owe what you owe but now you know how much.)
More ideas and steps coming soon...