The Money Confidante » Blog Archive » Five ways to stop drowning in debt today

Five ways to stop drowning in debt today

By Mary Caraccioli

Too many Americans know that awful feeling of becoming overwhelmed by their debts. It can feel like you are drowning. There is a way to stop that sinking feeling and get control over your financial future.  It is possible!  I have worked with many people who have changed their lives by adopting these five steps.

There is a catch – you’ve got to do all five steps and be committed. If you are wishing for a fairy godmother to come wave her magic wand and make your debt disappear – this plan is not for you.

1) Stop all unnecessary spending today: Get on a cash budget. Budget enough money for food, transportation and the other expenses you encounter each week. Once that cash is spent – that is it. No more spending. You may keep one credit card in your wallet for emergencies – but you should put it in an envelope that says “for emergencies.”  Chances are you won’t rip that envelope open for a latte.

2) Learn debt collectors’ language: Debt collectors often come across as heartless – they are trained that way. You won’t win them over with a sob story – even if it is true.  Talk to them with numbers. That is where you will get their attention. If they see you are serious about paying down your debt you will likely get them to work with you. Keep talking. Things gets worse when the dialogue ends.

3) Take responsibility: There are many reasons we end up over our heads in debt. Promises aren’t kept; emergencies happen…jobs are lost. Life changes happen. You get the idea it’s because of these reasons we are in the pickle, and usually others to blame. If you are serious about getting out of debt – own it. Then, and only then, you will have what it takes to fix it. By the way, this doesn’t mean others are off the hook. It just means you aren’t waiting for others to right YOUR ship!

4) Get a great partner: There are a lot of shady players promising to help consumers get out of debt. The best source for finding a reputable counselor is through this website: NFCC.org. Here is a link to finding a counselor near you: http://www.nfcc.org/firststep/firststep_01.cfm

I have worked with many non-profit counselors all over the country. They know how to talk with your creditors and can help you organize your finances to get out of debt.

5) Write out your plan: Whether you decide to pay off the card with the highest interest first or the one with the lowest balance – you’ve made the right choice. It’s all about developing the plan that is right for you and sticking with it. Pick a plan for paying down your debt including you weekly budget for necessities, payments to debtors, and ways to get added income (sell stuff or take on a part-time job). Writing the plan down is very powerful and will help you follow through.

By embracing all five steps today, you will immediately stop drowning in debt and begin a new phase of rebuilding your financial life. It is possible, but it takes commitment.

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    About Mary

    About Mary Mary Caraccioli, MLA, MBA is the Money Confidante. An Emmy™ Award winning financial journalist, she has worked at CNBC, FOX, Comcast and ABC's LiveWell TV where she has created numerous award winning programs. Mary also helped to create the Lou Dobbs syndicated radio report. She was an early adaptor of digital media and creator of well respected money websites.

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