Believe it or not, you are always in a position to get out of debt! Yes....you! No, you don't need a raise at work to do it, nor do you need to hit the lottery (although it would be nice). You just need a few basic steps to get started!
First, make a list of everyone you owe. Next, take a look at your monthly budget to see where you can cut costs so that you can start putting away extra money for your bills. Finally, list your debts from the least amount owed to the highest, pay the minimum plus the amount you squeezed from your monthly expenses when you decided to cut out the lattes! Chop down the smallest debt then roll that entire amount over to the next lowest debt! Before you know it, you, my friend will be debt free!