In Debt? 4 Options To Keep Your Head Above Water.

Christy | 12:36 AM |

Are you in debt? Who isn't these days? Luckily, there are a few options to help you continue to live the life you enjoy while being frugal:

  • Cut Spending

The easiest option would simply be to cut spending. Food and gas are often culprits to your pocketbooks. Instead of eating out several nights of the week, keep an eye out for coupons and stock up on groceries that will last the whole month. In terms of keeping gas prices down, try carpooling, public transportation, or riding your bike.
  • Credit Card Consolidation

Another option is to consolidate your credit cards. Interest rates can add up and make it seem like there is never a light at the end of the tunnel for paying off your bills. An ideal situation would be to find an offer of 0% for balance transfer or APR and consolidate all your cards together to avoid multiple interest rates.
  • Refinancing Your Home

A bigger step to take that will save tremendous amounts is refinancing your home. Refinancing can help lower your monthly payments and save a lot money over the year. Since refinancing can be a big decision, you may want to do your research and consult with the experts. For this,  you can find more info on FHA refis at (
  • Budget Your Income

Lastly, making a budget and sticking to it will help you stay out of debt. It will take discipline, of course, but it will be well worth it to know that you are on the road to recovery.

By applying these options to your financial decisions, you will be on track to getting your debt in control and keeping a comfortable lifestyle. CNN Money has information that can help guide you with your decisions.

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About is a collection of frugal-living articles and resources for women trying to save money- while still being able to enjoy the luxuries of life.