Having bad spending habits can make you go into debt very quickly. The first and most important thing you need to do to tackle debt is create a budget. Write down your monthly income. Then, write every expenditure you've made in the last month. Put the most important expenses at the top of the list such as utilities, credit card bills, gas, and mortgage/rent. At the bottom of the list, write anything that's extra. Add up all the expenses. If you're spending more money than you make, you will need to take some of the unnecessary items off the list. Also, set aside an amount of money to put into … [Read more...]