PAY YOURSELF FIRST. Treat yourself as your most important creditor. Determine an amount that can be saved weekly, fortnightly or monthly for long term purposes and emergencies and save it regardless. Somehow we manage to find the money for the phone bill, the rent etc so much decide to find the money for savings. This money management decision is life changing as over time it leads to financial independence.
AUTOMATE YOUR PAYMENTS. When things get stressful and we become overwhelmed with financial worries, our financial affairs can get out of control very quickly. Internet banking can solve a lot of this problem. If a part of your problem is that your income is inadequate, then automate some or most of your payments. Doing this, releases the stress of having to find the money for a lot of different payments. You may still be short one or two payments but it is easier to look for a solution for one or two payments as opposed to six or seven. Effectively, automating your payments saves you time and stress and helps you to take control of your financial affairs.
CONSOLIDATE DEBTS. If you are able to consolidate a number of debts into one loan at the lowest possible...