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    od hard look at the goods that you bought with those credit cards. Are they worth it? Did you want them that much? What difference have they truly made to your life?

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    Beating debt is as much to do with what's going on in your head as it is to do with what's going on in your wallet. If you have a debt problem you can solve it if you admit this. Here are five steps you can take to begin beating your debt:

    1. Take control

    There comes a point where you have to admit that your debt is defeating you. You can't keep up with repayments; the interest charges are mounting up and, maybe even worse, you're using one loan to pay off another.

    You have to take control of your finances: if you don't your creditors will. If you are in denial about this you need to face the truth. If you can face the truth and take control, you're on the first step to beating debt.

    2. Live within your means

    Take a look at your credit card and charge-card statements. What did you spend that money on?

    Go round your house and take a good hard look at the goods that you bought with those credit cards. Are they worth it? Did you want them that much? What difference have they truly made to your life?

    What do you feel like when you look that stuff and sa

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    ting your debt:

    1. Take control

    There comes a point where you have to admit that your debt is defeating you. You can't keep up with repayments; the interest charges are mounting up and, maybe even worse, you're using one loan to pay off another.

    You have to take control of your finances: if you don't your creditors will. If you are in denial about this you need to face the truth. If you can face the truth and take control, you're on the first step to beating debt.

    2. Live within your means

    Take a look at your credit card and charge-card statements. What did you spend that money on?

    Go round your house and take a good hard look at the goods that you bought with those credit cards. Are they worth it? Did you want them that much? What difference have they truly made to your life?

    What do you feel like when you look that stuff and s

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    ou're using one loan to pay off another.

    You have to take control of your finances: if you don't your creditors will. If you are in denial about this you need to face the truth. If you can face the truth and take control, you're on the first step to beating debt.

    2. Live within your means

    Take a look at your credit card and charge-card statements. What did you spend that money on?

    Go round your house and take a good hard look at the goods that you bought with those credit cards. Are they worth it? Did you want them that much? What difference have they truly made to your life?

    What do you feel like when you look that stuff and s

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    ol, you're on the first step to beating debt.

    2. Live within your means

    Take a look at your credit card and charge-card statements. What did you spend that money on?

    Go round your house and take a good hard look at the goods that you bought with those credit cards. Are they worth it? Did you want them that much? What difference have they truly made to your life?

    What do you feel like when you look that stuff and s

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    od hard look at the goods that you bought with those credit cards. Are they worth it? Did you want them that much? What difference have they truly made to your life?

    What do you feel like when you look that stuff and say to yourself, 'I haven't paid for that (xxx) yet'?

    3. Reduce your stress

    Debt can become a nightmare and stress can send you into a spiral of despair. It doesn't have to be like that. There's a way out but it's not an easy way out. You have to take control of yourself and your spending, and resolve to get your life back. When (and only when) you've got that mental resolve, then consider consolidating your debt.

    4. Eliminate your debt

    Consolidating your debt is a one-chance option of repaying your debt. The debt doesn't disappear, but all the various loans and debts get lumped together into one bigger loan to be paid off over a longer period and at a lower interest rate. This frees up some of your income and will instantly reduce your stress.

    And, crucially, you shouldn't continue to rack up credit card debts. You will only eliminate your d

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