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There are four easy steps which will help you eliminate debt and move you out of the red and into the black.

Claims about debt being erased instantly are false as it takes a lot of planning and patience to put debt into a manageable order. Getting debt advice will lead you to a solution to end your debt, be it debt consolidation, an IVA (Individual Voluntary Arrangement) or another alternative. Once you've decided on a course of action, these four steps will help too.

The four steps:

1. The first step to waving goodbye to debt is to cut up all credit cards. Keep one aside for emergencies but make sure that it is not within easy reach.
2. The second step to eliminating debt is to double up on your minimum repayments which will allow you to decrease your balance at double the usual rate. That's easier said than done to scrape together that extra cash - and that's where the next step comes in.
3. The third step is to look at your lifestyle and eliminate any areas of debt that do not fulfil their purpose. For example, if you signed up to cable stations but do not really watch them, is it worth continuing the payments? Do you really need all of those extra phone add-ons such as call waiting and call forwarding? Do you really have to buy brand name products when generic alternatives are just as good?
4. The final step is to make a budget and stick to it. Treat it like a new law that has to be obeyed at whatever cost. If you cannot be that strict with yourself, you need to seek debt help.

Talking to the Debt Advice Trust will help you to sort out your finances and guide you to a suitable debt solution. It just may be the inspiration, advice and support you need to take charge of your finances.