In order to ensure that you do not fall further into debt, you may need to start using debt management tips to help get yourself back into the green.

While most people think of debt management as simply paying down your balances, it is much more. Ideally, debt management would start before someone starts using a line of credit, but life does not always work that way. When you are ready to tackle your finances once and for all, consider the following tips.

• Make a concerted effort to track all of your money. If you really want to understand where your money goes, you need to monitor where and how you spend it. This means writing down every transaction, along with all money that enters your bank account. By watching your money, you will eventually be able to save some by cutting back on extraneous purchases.
• Try to avoid using your credit card at all; make only purchases that you absolutely need on cards, otherwise use cash or delay making purchases.
• Avoid overdraft fees.  When you face a financial hardship, consider taking out a cash loan instead of over-drawing from your bank account as insufficient funds can lead to hefty fees, placing your further into debt.

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