The site is still invitation only.<p>Here's a little plan I came up with for someone, not quite 100% applicable but it worked pretty good:<p>(1) cut up your cards<p>Tough ? Yes, absolutely, very tough. But step one of getting out of a hole is to stop digging, so stop spending money that you don't have.<p>(2) cancel: cable, newspapers, any and all subscriptions, internet and cell phone included if you don't need them for your job. If you do need internet see if you can make a deal with a neighbour, especially easy if you have a laptop with wifi.<p>These are <i>not</i> essentials in your life, you can do without them until you can afford them.<p>(3) stop smoking, stop drinking<p>Besides making you unhealthy this stuff is habit forming and costs you a bundle, even if you don't really notice because it's only a few bucks at the time.<p>(4) if you've bought stuff that you don't actually need, sell it. Liquidate it, set a price on what you realistically think it is worth and try to raise that money by selling it for cash.<p>(5) stop eating and drinking outdoors. Restaurants and coffee shops make a profit, that means that you can cook for yourself and make your own beverages cheaper. Sure, it may not be that luxury latte that you've come to depend on but it adds up.<p>(6) pursue ways in which you can earn more than you do today (this can be hard, it did not work out for my friend, maybe you have more luck)<p>(7) list each and every expense you make, look at the list at the end of the week and be critical, could you have saved on any of them? If you could do not repeat that spending in the next week!<p>All these steps together should give you a bit of money on a repetitive basis that should go towards paying off your debt.<p>That's cumulative, any money that you spend over and beyond the required interest payments will come back the next month as a further reduction in interest to be paid. So next month you can pay back more on the principal and so on.<p>Do not fall back in to old habits, be strong and look at your debt decreasing as a motivator.<p>--<p>I'm really happy that the 'readyforzero' people built this. That's one of the nicest start-ups ever to come out of YC, in terms of the 'change the world' attitude.