The FIRST STEP to becoming DEBT FREE is organizing your bills and income.

The First Step is to look at every one of your bills. See how much debt you owe to each company, how much interest they charge on the debt and how much the minimum payment is. Create a spreadsheet and write all the details associated with each bill. Make sure to include the total owed, the monthly payment, interest rate and when it is due! This allows you to see exactly how much you owe and when. This is the begining of your budget. With this information you will be able to manage your debt and make smart choices.