Once your monthly spending is under control, you can think about some ways to make debt a thing of the past. Here's a list of ideas.

• Each month, try to reduce a different spending category by 5 to 10 per cent.
• Start a savings account for large, infrequent expenses so they won't upset your budget.
• Give thought to the credit terms of your large purchases.
• Treat a credit card balance like you'd treat a bank loan for the same amount.
• Always track your spending and income to make sure you don't get into debt again.
• Try to increase your income. Can you improve your salary? Is a second job possible? Can you sell something you no longer need?
• Reward yourself. Working your way out of debt is a long, hard task. It's also a big accomplishment. Find inexpensive ways to celebrate your progress.