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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Top Things You’re Wasting -- and How to Stop

You don't have to install solar panels to be on board with Mother Earth. Small, everyday behaviors can be just as important. With minimal effort, you can conserve more (energy, water, trees and natural resources), create less trash and save money. Here's how.

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It's easy to take water for granted, but remember that for many people around the world, access to clean drinking water is a luxury. So stop being so damn greedy.
Stop Wasting By:
*Only running your dishwasher and laundry machine when they're full.
*Installing a toilet flapper and a low-flow showerhead.
*Taking shorter showers (15 minutes is just unnecessary!).
*Turning off the water while brushing your teeth, washing your dishes or shaving.
*Washing your car -- without water. Eco Touch has a line of waterless car cleaning and detailing products that will leave your vehicle sparkling without using a drop of water (go to to buy).

Photo: Thinkstock / The Nest

See More: Cleaning & Organizing , Eco , Money