While many options exist to deal with debt some may lie beyond your reach financially while others may jeopardize your other assets. In order to make the best decision for yourself you need to fully understand your financial situation. In my years as a debtor attorney I found many people in debt over their heads got there because they did not have a firm enough grip on their spending habits. Your next step here involves making sure you truly understand where you spend all of your money. The following program may be confusing at first, but work through it, the answers it may force you to face might change your life. Use the tutorial if you need extra help. To intelligently decide how to address your debt you need to know how much money you can afford each month on paying it. Even if the answer comes out as pennies on what you owe or nothing at all or even that you currently live beyond your means even without the debt, you need to know the facts and move forward with a solution that fits your true standing.