Let’s start with paying your bills….
Work out your monthly budget so you know what, if anything you have spare each month. Use my free downloadable budget planner if that helps.
If you can’t afford to pay your bills, don’t just ignore the fact like a lot of people do – it won’t go away but you can take action to help yourself.
If you can’t see where your money is going, keep a spending diary for a month.
Use the snowball method to repay any debts in the quickest and most efficient way possible.