Money Management

1. How can I lower my debt?
You have a few options. Develop a budget and stick to it to cut down on your expenses. Get more income by getting a second job or working full-time instead of part-time. Consolidate any loans you have together and cut up any credit cards so you won't put yourself into any further debt.

2. How can I cut costs when I already don't go out much?
When you go shopping, get only items you need. Shop for sale prices and look at the ads in the Sunday newspaper for special deals at your favorite stores. Use coupons or don't be afraid to buy store-brand and generic items. Eat at home more and go clothes shopping at used clothing stores or thrift stores. Rent videos instead of going to the movies or if there is movie you simply can't miss, catch a matinee.