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The faster way to get out of debt
You get into debt by spending. You get out of debt by not spending. Well that plus a bit of planning on how to maximize what money you have available to pay off your debts.The first thing to do is to stop getting farther into debt. Here are 4 easy steps you can follow.

1. Pay cash for everything possible
If you use credit cards, the temptation is there for you to overspend. By using cash, you can not spend more than you have. And you physically see the money leaving your hand which has a bigger impact on you than swiping a card for a virtual money' transaction.

2. Get a check card.
When you can't buy something with cash, this is the next best thing. These check cards are accepted just like credit cards, but they use the money that's in your checking account. This prevents you from overspending.

3. Use a budget to track your spending
There's that awful B word. A budget is a tool to help you track what you spend, and to plan limits on your spending. Tracking your spending is something everyone should do, and it's painless. The limits on spending are what people don't like, but that is what gets you into debt in the first place. Once you track your spending for a while you know your total spending in a month versus your total income. If your spending is more than your income, you are in trouble and need to cut back a lot on your spending immediately. But if your income is more than you are spending, that means you are ahead of the game and you can use a budget to save even more.

4. Use a budget to set limits on you are spending
Once you know how much you are spending on various types of things like utilities, entertainment, and food you can create a budget to help limit your spending. You can set a budget for just one area if that's all you need for example if you are spending too much on eating at restaurants, you can limit your spending on meals out and just eat at home when you reach that limit. Your goal here should be to free up as much money as you can that you can apply towards paying off your debts. Aim for a minimum of $100 a month.

You have effectively frozen how much you owe on your debts. It's time to make a plan to help you pay your debts off faster. Here are 4 steps to help you make your plan.

1. List all of your debts
Knowing how much you owe and to who is the first step. Make a list of all your debts. Include information like who you owe the money to, how much you owe, what the minimum payment is, and what is the rate of

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