how to: get out of debt

If you’re ready to get out of debt and boost your fiscal fitness, you’ve come to the right place. Staring at that huge stack of bills, fielding the unpleasant phone calls -- even just knowing you’re in the red can really drag you down. Luckily, we’re here to help you get back up! We have tons of advice for getting out of debt, including credit card debt help and an easy-to-use debt calculator to help you pay off debt. You’ll also find debt advice on how to renegotiate your credit card debt and ways to improve your credit (even before you’re out of debt!). Not sure where to begin? Why not give our 7 simple steps to getting out of debt at try -- they will definitely help you find your financial footing. Tackling your debt as a twosome? We’ve got plenty of debt advice geared toward couples. Learn about financial basics for newlyweds, including how to choose the right bank and when to merge your accounts. Peek into real couples’ budgets and see how they fixed their finances. And if you’re wondering where to find all that extra money to pay off debt -- don’t worry, we’ve got that covered too. We have debt help and cash-saving secrets from financial pros, and the money tips that spending savvy couples must know -- plus saving secrets from fellow Nesties. Finally, check out our tips to help you stay out of debt for good -- set up a household budget, plan your paychecks, and get credit smart.

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Black Friday Survival Guide

With Black Friday around the corner – traditionally the day after Thanksgiving -- it’s time to gear up for major deals on holiday shopping. The idea is to get in and get out as efficiently as possible and score as many discounts as you can. Don’t know where to start? Here’s your guide to a painless -- and fruitful -- Black Friday.

notebook \\ black friday survival guide \\ Photo: Thinkstock / The Nest

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Make a Plan

Figure out what specific stores you’ll be hitting and just what you’ll be buying in advance and formulate a plan of attack. There are a ton of websites and apps that will make your life a bit less stressful when scoring deals. Here are a few of our favorites: – this site gives you insight into the savings at major stores like Best Buy and Kohl’s. Set up a Google alert for Black Friday so you can find newly leaked ads.

FastMall – this app lets you download a map of your mall and plan your route. Genius!

TGI Black Friday – this app allows you to search for deals across both product categories and merchants

Don’t underestimate the use of Twitter on the actual day for your fellow shoppers’ up to date tweets. Who knows -- you might just find out that the doorbuster special at your favorite store is -- gulp -- gone.

Photo: Thinkstock / The Nest