Simple. Make more money. And spend less money. Sounds silly, but that is the key to getting out of debt. The trick is to make each part work. How to you make more money? Get a part time job. Or start a business on the side. Think of some way to use your skills to help out others, and make money doing it. How do you spend less? Cut out expenses you don’t really need. Reduce your cell phone or cable TV services. Eat out less. Use coupons. There are lots of ways to cut your expenses, if you think real hard. You can also get professional help dealing with your debt. Just make sure to find the best debt settlement programs that will actually help you and not rip you off. Otherwise, you’ll just get yourself into more trouble and more debt in the long run.