Make a plan of action and a target date

Look around for all sources of extra income

Look for things you have, don't need and could sell them

If really serious, seek help from reputable people

Phone your debtors before they phone you

Pay whatever you have when you have it and before you spend it

Share the problem with someone and ask them to ask you for up-dates

See it as a personal challenge

Don't ask friends or family to help unless you absolutely have no alternative

Print off a mini-statement daily

When it's cleared;

Be proud of yourself

Prepare for 'a next time'

Avoid a next time