A good budget will help you manage your debt payments. In your budget, always make sure that you allot for more than just the minimum monthly payment on any of your debts. You can do this by factoring into your budget the most you’ve ever spent on things like groceries and utilities. With this extra amount built into your budget, you can then spend the leftover amount on your debt payments.
Use Cash More Often
Avoid finance charges on credit cards by paying with cash whenever possible. Take envelopes and label them according to major spending categories for the family. Then, place the necessary money into each envelope and keep those envelopes in a secure location. This will give you a better idea as to how much money you’re spending on these things, which should in turn incite you to spend wisely.