To reduce debt the first step is to look at your current situation, look at all your income, outgoings and what you owe and are owed to get an true picture of where you are at financially.
Then look at ways to improve your situation. When you have written it all out, it will make things clearer.
The next step is to prepare a budget once you have a plan in place record how you are doing against the plan so you can see if you are keeping to the budget and so you can see yourself making progress.
When we play sport we are encouraged as we improve and it makes us want to continue doesn't it? It is the same with a budget.
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