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These 4 tips can help get you out of debt

You never intended to get into financial trouble, but over time you've found yourself struggling. You spend a little on credit cards, work less and struggle to pay your bills.

There are a few changes you can make to your spending habits to help you get back on track financially. Here are four different things to try.

1. Don't ignore your bills

The first thing to do is to stop avoiding your bills. If you have a bill, you need to pay it as soon as possible. If you're struggling to pay your bills, start looking at the bills and spending you can eliminate, so you have more money coming in. Realistically, you should be paying your bills first when you receive your paycheck and then use the remaining income for your savings and other expenditures.

2. Avoid using your credit cards

Avoid using your credit cards. Credit cards cause you to build up interest on things you've purchased, so you spend much more than you would have by saving and waiting to buy a product. If you do need to use a card, try to pay it off at the end of the month.

3. Forget about impulse shopping

If you like to shop, now's the time to consider stepping away from it. Maybe you can still window shop, but make sure you have the willingness to walk away. Don't buy things you don't need, and you'll see your savings start to add up.

4. Stop ignoring your savings

Along that line of thinking, remember not to ignore your savings. You should put away as much as you can each month, but a good amount is 10 percent of your paycheck. By building up your savings, you're making sure you have financial security and have to rely less on your credit cards.

If you're struggling with debt, your attorney can help you look at your debt-relief options. The right choices can help you balance your finances.

Source: National Debt Relief, "8 Bad Habits You Can Change For Financial Literacy Month," Arthur Khmura, accessed June 23, 2017

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