I’d like to say I came up with all of these tips, but of course, I didn’t. Check out this list of 102 personal finance tips you professor never taught you. It’s a pretty decent list. Obviously, “Pay yourself First” is at the top of the list:
http://www.yourcreditadvisor.com/blog/2006/10/102_…
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“Pay yourself First” is also at the top of my financial hitlist for reducing debts. I have written a small article on my blog that may be of interest, and is not as long and complicated.
I set out a 7 point plan to beig debt free. See my blog for more details: http://christopherarcher.blogspot.com/
Good luck with your debt reduction plans.
Chris Archer