As tempting as it can be, burying your head in the sand when things go wrong financially is not an effective debt management strategy!
The key to effective debt management is working out exactly how much you owe and creating a plan to clear that debt. Sounds simple doesn’t it and in essence it is not nearly as complicated as some people would have you believe.
Whilst the ability to get into debt is both quick and simple, spending slightly more than you earn each month will do the job nicely! Working towards reducing your expenditure will go a long way towards getting things back on track.