It is 2010, the start of a New Year, but that does not mean that the hangover from last year won't follow us into this year. Traditionally the end of year is a time for excessive spending and yet again this has happened. Now we have to deal with the debt hangover that was wracked up at the end of 2009. There are ways for you to get your debt under control however, and these are some of the things that you can do.
The first step is to plan a budget and be very realistic, don't estimate, put the actual figures in from your bank statement. The need to be realistic is paramount because if your budget plan is not going to be able to be kept to, you will need to go back and plan it again. Make sure that you are using real figures and set your self goals that you can achieve rather than would just like to achieve.
If you feel that it is slipping out of your control and that your debt troubles are running away from you and that you are always chasing that next payment. you can consider engaging the services of a regulated debt management firm who will be able to assist you with planning your budget, negotiating payment plans with the people that you owe money to and helping you to protect your assets if you are over-indebted and struggling to meet your payments.