[jeffrey]

Before you start cutting expenses by trying to change your current habits, evaluate the places you can save money without making any lifestyle changes. I know that sounds a little strange, but there are a number of places you can save money without changing a single thing you do. For example, shop around for a better rate on your care insurance. If you are able to save $50 a month over what you are currently paying, that puts and extra $600 a year into your pocket without changing a single thing you are currently doing. Do the same with your house insurance, car insurance house mortage and the savings can really start ot amount to big numbers and you haven't had to change your lifestyle in the least bit. Most people can save enough in these areas to start paying off their debt...and you are much more likey to succeed if you aren't forced make lifestyle changes you really don't want to make.