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If you're in debt, here's what you need to do: 1) Figure out exactly how much you owe. 2) Cut out any unnecessary expenses. 3) Negotiate with your creditors, but remember they're only interested in making money. 4) Stay committed and take control of your situation. If you are drowning in debt, listen up, it's time to get serious. Step 1 is to know the facts, know exactly how much you owe to somebody. Step 2 is to cut the fat, bitch out all the unnecessary expenses. Step 3 is to negotiate with the creditors. Remember, they are not your friends, they are just business people. They are trying to make money out of you. Step 4 is to stay committed. And remember, you are in control, not them, so make it happen.