Start a savings account and put a portion of each paycheck into the account and save. But if you need to use them pay more then the minimum payment so your not just fulling paying interest instead of paying anything on the balance of the credit card. So in rafe something happens and you need money you have it in an account. From my own experience I was not so great on getting out of debt.

How to Manage and Get Out of Debt Managing your debt is probably the hardest thing to do. You should save until you have the full amount to purchase it. Try to avoid using credit cards when at all possible. Meaning if you want a purchase a new couch instead of putting it on a credit card or getting a loan for it. I made a lot of mistakes after high school.

I had an issue with purchasing new cars. I had purchased multiple cars and traded them in one after the other for a period of about 2 and a. In order to control your debt you should only buy things that you have the money for at that point in time.

Make a budget up and don't go over it.