I know when you are in debt, it can be difficult to face the numbers.  I know people who will not open their mail, who just throw their bills in a drawer where they cannot be seen.

I have felt the pressure of debt, avoiding the numbers will not make it go away, or make you feel the burden any less.  I know what it is like to lay in bed thinking about your debt, wondering if you made a payment, thinking about extra fees.  You will find if you write it out and are at least aware of it you will feel better. 

I find if you will face the numbers write them all on a list, then you can start working towards paying off your debt, or at the very least stop incurring more debt.

Remember you did not get into debt overnight and it will take some time to pay off your debts.  Review if there is anything you can cut out cable, manicures, eating out, this will enable you to pay off your debt at a faster rate.  This is not always fun, but well worth it.  If you cannot cut something completely out can you cut back?

Here are some tips to facing your debt.
  • Write all debts on one list.  Include your balance, interest rate, minimum due, and due date.  Here is a Debt Summary List you can download: http://goo.gl/CipQww (from www.BillKrause.com) 
  • Call your debtors and negotiate a payment plan.
  • Call your debtors and ask for a lower interest rate.
  • Pay the smallest debt first! 
  • As you pay off debts put a big bold line through it on your list.  As you see success and progress it will help spur you on to continue.
  • Think of witty ideas on how to earn extra money to go towards your debt.  Yard Sale, Ebay, Side Job, Service you can offer (Service in your field, cleaning a friend or family members house, cooking meals for another family for a fee, using your computer skills to help a friend in business, weekend or evening babysitting.)  Think outside the box!
  • Use the debt snowball method click here for more information: http://goo.gl/dxJmjN
  • Read other’s stories on-line how they paid off their debt, it will inspire you, that it is possible.  You can learn ideas that worked for them, that may help you.
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