How to Live Debt Free Starting Today Are bill collectors calling you night and day.

In some cases it could have bee beyond your control. Instead of going further into debt for things that might now look like luxuries, why not start putting money away. If you live in the United States there's a good chance, like most of us, you've been living well beyond your means.

Are you tossing and turning at night thinking that you might be homeless. Maybe you were laid off or took ill. This is happening to all too many people. If this is happening to you maybe it's time to face reality and put together a financial plan.

Well, now's the time you can start doing something about it. How did you get so far into debt to begin with. Instead of spending, you might want to consider paying off your debts and building a financial cushion that will take care of all your needs and keep a roof over your head for at least six months. In most cases, though, (if you've got the guts to admit it), it was due to poor planning.

Do you really need things like exotic vacations, designer clothes, eating out on a regular basis, even cable.