Stale Green Light

One of the best ways to cut your expenses is to cut your bad habits. Many bad habits are very expensive. Alcohol, tobacco and other substances are very addictive and very expensive. As a result, you will spend thousands and thousands of dollars on these things every year if you are using them. Think of everything that you could use this money for if you were not spending it on these expendable items. In addition, many of your bills will come down. For example, your health insurance rate will be lower. This can also help you have more money to spend on other, more worthwhile things. 

There are many things that you should do that will help you work towards paying off your debt. Here are several things that you should consider doing:

1. Stop using credit cards to pay for things you need, use your paycheck instead
2. Do not over pay your debts and then have to take out more debt to pay for necessities
3. Do not eat out
4. Be creative and find cheap things to do for fun
5. Do not pay off your credit card balance using your emergency fund, or you will have more debt when an emergency hits
6. Plan ahead for expenses that are coming up
7. Make a budget and stick to it
8. Pay the minimums on all of your debt, and focus the rest on the smallest debt
9. Talk with your spouse to make sure that you both understand what needs to happen and that your interests are the same