You have been meaning to get a handle on your debts. Here are three ways to help you get a handle on your bills and credit card debts. Using these tools can help you see where your money goes and how you can get out of debt.

Start tracking your income and expenses. Get some free printable budgeting spreadsheets to help you create a budget you can live with. Once you see where your money goes you will be able to understand how you can become debt free. The smallest expenses can quickly add up if left unchecked.

The next tip is to find the best way out of credit card debt. The idea here is to compare the pros and cons of bankruptcy, bill consolidation, and debt negotiation against each other. You could be surprised at which debt management plan will work best for your situation. You can get a free debt analysis and compare your debt elimination options. Doing this will give you an idea of the costs of each debt management plan.

The last tip is to use a prepaid debit card. With a prepaid debit card you can only spend what you have loaded on the card. A prepaid card will help you from spending more than you can afford to pay back such as with credit cards. Using a prepaid debit card will keep your expenses down as you can only spend what you have on the card.

With these three tips you can develop better money habits. Knowing how your money is spent each month and knowing the best debt management plan will help you find a way out of massive credit card debt. Start using a low fee prepaid debit card to keep you from overspending. Follow these tips and you will begin to see your credit card balances go down and no longer be drowning in debt.

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