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Make a list with the most onerous outstanding loans and lines of credit you have. Usually Pay Day Loans, Credit Cards, and Personal Unsecured Loans are the most expensive. Try to get a consolidation loan in order to cancel these debts. If not possible, destine as much money as feasible to pay off the highest interest rate loan or credit card first and pay only the minimum on the others. Once the first debt is paid off, go on with the next one and so on.

Before buying anything see if you have the cash to pay for it. If you do not, then, you can not afford it and you need to keep that in mind. The second step is to see if the purchase falls into the essential category. If it does and you can not wait, then buy it. If it does not, avoid that spending till you have the cash to afford it even if you would use your credit card to buy it.