"I love your site. My life has been defined by change." -Carolyn
Read More Testimonials»

On the Finances Blog

Bankruptcy: The Power of the Clean Slate

It doesn’t take many clicks online to find writing and advice on how to shape up your finances, even First30Days has a great financial advice section found here. There are...

Read More About Bankruptcy: The Power of the Clean Slate»

Our Reducing Debt Experts

Dave Ramsey

Dave Ramsey

Host of "The Dave Ramsey Show" on Fox Business Channel and...

Shared by First30Days View Profile»
Scott Bilker

Scott Bilker

Author and creator of DebtSmart.com

Shared by First30Days View Profile»
Liz  Pulliam Weston

Liz Pulliam Weston

MSN Money columnist and author

Shared by First30Days View Profile»

Meet all of our Finances Experts»


Reducing Debt

Reduce Debt, Increase Your Worth

Eric Fanelli*, a Manhattan therapist and artist, knows all about debt and the limitations it imposes emotionally and financially. He found himself with $50,000 in credit-card debt—not once, but twice. “Both times, I had a drop in income and used my credit cards to pay for necessities,” he says. Seeing a pattern he didn’t wish to repeat, Fanelli had to come to terms with how he got into trouble with money, find a way to reduce his debt and ensure that it didn’t happen again.

If you’re in trouble with credit cards, student loans or other debt... Read more of "Reduce Debt, Increase Your Worth"»

30 Tips for 30 Days

Our very best advice for you!

Taking the First Step

Taking the First Step

You’ve taken an important step in choosing to reduce your debt. Just making that choice puts you on a different path—one of power and freedom.

Shared by First30Days More»
Got a Question?


If you have questions about this change, you're in the right place. Our editors, experts, and community of change optimists have answers!

Answer:You should close newer accounts first, but keep older accounts open if you can. I just did...
Answered by Cwolf112 More»

Tap into the collective wisdom of our community.

Got A Tip?




Actually, this isn't altogether popular way of dealing with...

Shared by GracieT More»

Monthly Calendar

I keep a small monthly calendar in my purse. Most of my bills...

Shared by missdina More»


The latest news on this change — carefully culled from the world wide web by our change agents. They do the surfing, so you don't have to!

Giving Up Possessions

Giving Up Possessions

We all have to tighten our belts creatively these days.

Get Better Not Bitter

Get Better Not Bitter

When shedding debt, it helps to have some perspective.