I publish personal testimonies. I also create links to articles on the Web that I think are practical. These are real-world articles written by people who have escaped the debt trap.

As you read these articles, jot down any tip that you think will help you get a grip on your spending. These minor adjustments add up, just as overlooking minor bad habits add up.

Try to find one tip per week that you actually deploy. That may not sound like enough tips, but it is if you actually deploy them. Deployment is the hard part.