When putting together a get out of debt plan you will probably need a few things at your disposal.
Some of those things are your credit reports, your monthly household expenses, and your current income levels. Having these on hand will help you to navigate through the current situation and develop a solid plan for getting out of debt.
If this seems to hard for you then you can always use services to reduce debt.
Okay, first before writing your plan you will need to assess where you are. You should bring all of your income to the table to see how much you have left over after paying your monthly expenditures. Now since we will be working to get out of debt that might mean giving up a few “necessities”. 
The necessities I am referring to are not food and lights, but maybe cable TV or at least downgrading your package. Remember that we want to get out of debt so we can truly afford the nicer things we want without the stress.
Next you will need to get a copy of your credit reports. Having these available will let you know which creditors have charges against you. You will also be able to get their contact information so you can possibly work out a settlement with them.
Having updated information on your credit report can be a big help. Just by clearing these things up can save you money on car loans, and mortgage loans.
Finally you’ll need to have a written budget. This is so you can see where you are spending money at every month. This is can help to plug a leak in your finances that you might not have caught other wise.
Once you have all that information in place you will then want to see where any extra income is. The easiest way is to focus on the smaller debts and and apply the extra income to those debts. Once you have paid those debts then take the payments from the small debt and the extra income and apply it to the next debt.
