2. Get rid all of your credit cards. There is simply to much reliance in today's economy on credit cards. Unlike when you spend real cash, when you charge it to a card you don't feel the burn. So if you cannot control how much you spend on your credit cards, then cut up your cards, leave them locked up at home, freeze them or bury them until you are out of debt. Keep in mind though that it is crucial that you do not close the accounts since that can result in reducing your credit score.

3. Change your attitude about spending. Getting out of debt is heavily dependent on your attitude. Work to maintain a positive attitude about your efforts and stop giving into the victim mentality or self-doubts of whether you can do it.

4. Stay busy! It has been said that an idle mind is a devil's work shop and a retailer's dream. Don't go to the mall just because you are bored, since you are bound to end up buying stuff you likely don't need. If you sit in front of the TV for endless hours doing nothing, then the advertisers are bound to instill a yearning for something that you wouldn't have wanted otherwise. Do not throw away money to keep yourself entertained when you could be using that time a lot more productively towards getting out of debt.

5. Change your spending habits. Are you a planner before you buy something or do you just pick things up? Do you ask yourself before you buy if you really "need" it, or justify your "wants"? Do you spend large amounts of money on showing off to your friends? It can save you a lot of money if you are willing to take a long hard look at your spending habits and fix any short comings that you see.

6. Cut your expenses. Take a look and see if you can you still save some money after all of your bills are paid? For example: when you look at your groceries, can you replace some brands with generics so you can save some cash? Can you stock up during sales in order to save some money? Are you making sure you use your utilities wisely to save on water, electricity and gas bill? Look at all aspects of your expenses to pinch some more money out that you can throw at debt.

7. Embrace a simple, frugal lifestyle. While no one is advocating a spartan life it is an undeniable fact that we are living in a land of excess. We have come to believe that we need a lot of things to survive. But the reality is that we can get on by with very little. The more of the excesses you can trim out of your life the sooner you will be out of debt. Decide what you want more temporary indulgences and sleepless nights worrying over debt, or a few sacrifices now to be free of debt issues for the rest of your life!