Are worries about debt weighing you down? Use this checklist to help you curb your expenses and get in better financial health.
Cut up your credit cards. If you want to keep one, leave it at home.
Organize your financial records. Figure out how much you owe and to whom.
Track what you spend this month, looking for unnecessary expenses you can cut next month.
Pay bills on time to avoid late charges.
Pay credit card balances in full if you can. Next best thing: Make...