Debit is an ever increasing concern and we have the best tips to avoid digging yourself into a deep financial hole.

1. Live within your means

One of the biggest factors in personal debt is money managment and living within your means. Plan a budget and keep track of all incomings and outgoings. Try and stick to buying things that you need rather then just things that you want!

2 . Cut up Credit cards

if you can, stay well clear of credit cards. If you already have them then stop using them NOW! If you dont have the money to buy something then dont buy it. Credit cards are the fastest way to debt if your not being careful.

3. Additional Employment

if you finding that there isnt just enough money to go around. Why not consider taking on extra part-time employment. Or if overtime is an option talk with your current employer and request more hours.