How to Eliminate our Debt,here have some ways and  advise.

You do not need to be in debts in order to seek for debt advice because it is made available for those who would like to seek advice on budgeting, repayment of debts or financial improvements. Most of the local banks do provide debt advising services free of charge. Nevertheless, not everyone is comfortable to reveal their financial problems to the professionals. Here are some general debt advice tips to share and to help you eliminate debts as well as stay away from debts.

 When you realize that you are in debt, the first thing you should do is jot down your expenditures to help you identify the root cause of the debt. Pin point the cause and prevent yourself from doing the same thing again. For instance, if excessive credit card usage is causing you the problem, stop using credit cards in the future. Once you have understood what causes you to be in debt, start saving from that point. Bring along your shopping list and sufficient cash whenever you go for shopping. Buy only the things that you need as written on the list. Use only cash transactions and do not rely on credit cards anymore.

 At every beginning of the month, be sure to deduct your living expenses and utility bills, and use the leftover sum of money for personal savings and pay off your debts. It is always better to save up for a rainy day because you would not know when you might need the sum of money. Settle the debts with higher priority first, especially the ones with high interest rates. Small changes like these will contribute to large savings in the future.

 If you are still struggling to pay off your debts, maybe you should consider getting a part time job for extra income or to seek for professional debt advice. They will provide guidance in improving your current financial status by implementing debt management plans. Try not to settle on a particular debt solution plan before you do your research on the available debt solutions.

I hope it's helpful for you.