Handling finance in this type of economy that we are currently having is a bit difficult to conquer but not an impossible feat to achieve. If you feel that it is, there are Financial Coaching services available to take advantage of and they will help you to trim down your debt or even get rid of it. If in case you have debts in multiple sources, the best thing to do is to consolidate them into one. You do this by putting it into your mortgage or a separate unsecured consolidation loan. This way, it would be easier to come up with a budgeting solution because you only have to pay one body. This should also help get the monthly expenses lowered down and you should be about to save some extra money from it. Of course, if you really want to get rid of the debt faster, simply use that savings to pay the debt. This way, you can get away from your heavy burden faster and you also get to clean up your credit records in a more effective way. In case you still want more, get into a Debt Management Program to further your knowledge on how to do this.