Set Your Goals
PUT MONEY TOWARD DEBT EVERY WEEK. Break your big goal into a few doable pieces so you don’t just give up,
says Kara Stevens, a blogger at Thefrugalfeminista.com. Suppose you are trying to pay down $6,000 in credit-card debt in six months. That means you need to pay $1,000 a month, or $250 a week.
PAY IN CASH. You know you can’t get out of debt if you keep racking up more. “We cut up every card except one and put that one in a block of ice in the freezer,” says Arcarese. “If we had an emergency, we knew we could chip through the ice to get it.”