Manage your money better
America?s debt is high but that is because so many people are maxed out past their limit. In order to manage your money better the best thing would be to do is downsize your bills. Instead of having a huge house for 2 or 3 people that you are paying an outrageous mortgage for get a smaller house that has less of a payment. You could also get a certified used car instead of getting a brand new car that will just depreciate once you drive off the lot.