Having debt can be a real burden. However, by taking just these 5 simple steps, you can be on your way to debt reduction or even elimination.

Holiday shopping may seem like a complete necessity right now, but are you ready to face your credit card bills come January? Didn’t think so. Here are some tips for shopping less, and staying happier after the holidays.

If you want to eliminate your debts, then you have to stop using your credit cards, increase your income and develop a practical budget.

Debtors’ Revolt is a grass-roots movement that is giving voice to the many individuals who are mad at their credit card interest rates, and are just not going to take these insane rates anymore.

Mint.com offers a wonderful budgeting program for anyone looking to track their spending and saving. And, best of all, the program is completely free!

Credit card interest bites. Not only do you have a huge a huge chunk of cash to pay off, but you are penalized for not paying it off quickly. If you are paying only the minimum balance due, credit card interest can completely eat your monthly payment, then come back next month for more. However, there is one way you can reduce interest charges- without adding a single extra penny to your monthly payment.

If you are mired in debt, with no idea of where to turn to or what to do, there is help on the horizon. Your Money and Debt is starting a series of debt-related articles that tell you the ways in which you can reduce or even eliminate your debt so as to avoid bankruptcy. However, if you are headed towards bankruptcy, there will be articles to help you through that process too.

Money and debt….oftentimes, we have too little of one, too much of the other. How can we change this predicament, so our lives are more than just making ends meet?