Hi, I'm sorry to hear you are going through a rough time. I'm not sure how much advice I can offer since I've never really been in debt, but I can share with you how I save money. Take a look at your bills and what you can spend less on. Get rid of cable/internet if you can. Find a cheap cell phone/land line. See if you can reduce housing payments. Save on electricity by using energy efficient bulbs, etc. Don't go shopping/eating out until you can pay off whatever you need to. It's okay to splurge every now and then, though. I'm debt free and pretty much on top of my finances even though it is sometimes hard. What I have done that helps is try to keep a positive balance in my checking account as much as possible. I saved up about 8,000 before I lived completely on my own, it has helped to this day. Try your best to live within your means, as in try to match your salary with what you have to pay for. I may not make as much as a lot of other people by in comparison my bills are about the same to how much they have to pay. Try not to go for payday loans, that's just asking for a mess. Stop using credit cards if possible and work to pay off the balance. Get a second or third job if you need to, all these have helped me. Work out a payment plan with your creditors if possible, they'd rather get something than nothing. See if you can get your interest rate lower. Hope this helps good luck.
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