Do you need to get out of debt and as quickly as possible? If you do not have any debt right now, would you like to ensure it stays that way? If so, you have a number of options. One of the easiest for you to implement requires nothing more than a few minutes of your time, the gathering of your bills, and a computer. If you keep reading on, I am going to show you how to make a spreadsheet that can help you keep your personal finances organized.
Rent or mortgage, homeowners insurance or renters insurance, all utility bills, auto loan or auto insurance payments, gas for your vehicle, food for home, and so forth. Once again, these are items that you cannot live without.