Here are some tips you can use to help combat your debt problem.

- Ask about payment plans. For example if you went to the dentist and incurred a large bill, ask them if they do payment plans. You might find they can split the bill into 4 payments at no interest. It sure beats adding it your credit card bill at a much higher interest rate.

- Do it yourself. This includes things like cooking, cleaning and fixing things around the house.

- Don’t lend friends money, even if they say they’ll pay you back with interest. If they don’t end up paying you back, you’ll lose your money and your friendship.

- Combine your gadgets. Instead of having an mp3 player, digital camera and a cell phone, get a smartphone that can do all of that and more. Sell your other items on eBay.

- Get a hobby. Your hobby can turn into a part time job and at the very least occupy yourself so you don’t feel compelled to go out and spend money.

- Use cash. Get your paycheck deposited directly into your bank account. Then withdraw some of it in cash. This is your budget.