Adjust your lifestyle so that you are no longer adding to your debt.
Pay bills on time to avoid unnecessary late fees and high interest charges.
Use a debit card instead of a credit card to make sure you are spending money you have, not increasing your debt.
Free up money by each month by finding ways to reduce your expenses.
Start building a small emergency fund; in many cases $1,000 is a good target.
Once you’ve got your emergency fund in place, start paying off your debts.
Pay off your highest interest rate debt first.
Consider consolidating your debts to a lower interest rate, but only if you’re unlikely to run up the other debts again.
Take advantage of free and low-cost credit advice. Your installation’s family support center may offer free credit counseling. Personal financial counselors can help you establish a spending plan which includes restructuring your spending, and developing a plan to get you out of debt.
