S top use of all credit cards if they are the source of your problem. You may send a letter to the company terminating all credit privileges. Do not take on new debt by consolidating debt into one loan. That is also an expense. Take out saving first.
Most people can save money each month.
This can be placed in a money market account. Collect your cash purchase receipts. Make two trips one to check out the price and a second to make the purchase. This will give you time to weigh the alternatives and reduces impulse buying. Back to top Back to Home Page Ways to save on specific expenditures.