1. Get out of debt as quickly as possible. Having debt at a time like this is an extremely dangerous way to manage your finances. Take any excess income you can and start paying down your most expensive debt first and do as fast as possible.

2. Raise extra money anywhere you can. Go through your house when you do a deep clean and take anything including CDs, books, toys, broken electronics and anything else you can find and sell them on eBay. You might be amazed at how much money will be able to raise doing this.

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