Expert Network

Dave Ramsey

Dave-ramsey
Host of "The Dave Ramsey Show" on Fox Business Channel and author of The Total Money Makeover

Scott Bilker

Scott-bilker
Author and creator of DebtSmart.com

Liz Pulliam Weston

Liz-pulliam-weston
MSN Money columnist and author
Everyday Change

Be a Tortoise, Not a Hare

Everyday_change_50x50
Remember the saying "Slow and steady wins the race?" Turns out it's true. Slow down at work, with your partner and just in general. You may be surprised at how much sweeter life is when you aren't looking at it at warp speed.
"I love this positive approach to life changing events. Thanks." -Barbara
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Tips

Bite-sized pearls of wisdom from our editors, experts, and community. Hint: If this is your first visit, make sure you start by reading our First30Tips.

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.

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See Where Your Money Goes

See Where Your Money Goes

This is a good time to become more aware of how much money you actually spend and what you spend it on.

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Money Isn't Just Paper and Ink

Money Isn't Just Paper and Ink

Money and debt mean different things to different people. For most, money has many emotions attached to it.

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Get Organized

Get Organized

Debt expert Scott Bilker says the first step toward debt elimination is to get organized. He says many people get into debt and stay there because they have a hard time keeping track of their bills.

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Dare to Dream

Dare to Dream

Setting clear financial goals will be important to your success, but first you’ll need to determine what kind of life you want to live.

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Inventory What You Owe

Inventory What You Owe

In order to come up with a debt-repayment strategy, you will first need to figure out how much you owe, as well as other details about your debt.

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Remove Temptation

Remove Temptation

When consumers would find themselves in too much debt, experts used to recommend cutting up credit cards and closing those accounts.

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One Week Down

One Week Down

You have something to be proud of—you’ve made it through the first week of reducing your debt.

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Time to Strategize

Time to Strategize

It’s important to come up with a game plan for reducing your debt.

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Identify Your Money Personality

Identify Your Money Personality

Debt doesn’t discriminate and people get into debt for many reasons. To prevent yourself from re-accumulating debt, it’s important to understand what was driving your debt in the first place.

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