Finding the simplest and easiest means of getting out of debt is surely the top concern of many individuals these days. Such is especially true among those who are tied to various mortgage and credit card bills. Perhaps the scenario could have been different months ago but the sudden economic instability accelerated the problem and now debt relief is in order. Of course, the problem could be addressed easily if only you will not eat or have to allocate a big portion of your current resources on your daily needs. Sadly, this is not the real scenario.

So how does one escape from the pull of credit? Is getting out of debt easy to achieve? Well the answer in general is yes. The level of success would however depend largely on the commitment of the individual involved. Along with this seriousness are some things that you must do in order to free yourself from credit. Some of these things are listed below:

* Determine how much credit you are in - although it maybe a little difficult to do but still try to sum up all the bills that you are paying at the end of each month. Try also to consider how much interest you are paying for each bill should go beyond the deadline. In this way, you can be guided on which bills to prioritize. The more figures are subtracted to the principal amount, the faster it is that you will be paying off the whole amount.

* Deter away from using credit cards - as much as possible use cash in your transactions. Refrain from using credit cards no matter how enticing it may be. If you really do not need something or if you do need it but not too soon, then try to save first the amount that you need instead of immediately swiping your card on the machine. Remember failure to pay your credit card bill on time will increase the amount that you have to pay. So instead of paying just the amount of the item that you bought you are paying more because of the interest.

* Consolidate - if you feel very threatened and you think you can no longer beat your deadlines then try debt consolidation. In this way, you will be freed from beating so many deadlines every month for you will just be paying one bill.

Getting out of debt is possible, it just takes a plan and time.