What is the best way to get out of debt on a limited budget?

Please only experienced people%26#039;s answers only!


I am currently about $30,000 in debt including credit cards, my vehicle and my student loans. I make good money in the summertime and decent money the rest of the year, but month after month it seems like i can only afford to make minimum payments. Are there any tips on getting stuff paid off? And is it smart to consolodate my debt into one payment?

What is the best way to get out of debt on a limited budget?
You need to reduce expenses.





Check your phone bill %26amp; other utilities to see if there are any cheaper plans.


Please tell me you DON%26#039;T have cable TV...


Do you have a land based phone AND a cell phone? If so, why?


Do you need internet access at home, or can you get it elsewhere (free)? If you must, Yahoo/SBC offers DSL cheap.


Also, it%26#039;s easy to be cheap (face it, that%26#039;s where you%26#039;re going for a while) if you pay for stuff in cash. It hurts more than using credit.





It%26#039;s no fun to spend less, but you have spent more than you have earned over the last year or so; you can%26#039;t keep that up. Sharpen your pencil, list your expenses and make some cuts. Most of us have %26quot;been there%26quot;. Good Luck!!