There are two keys to coming out of debt: Firstly, you need to find a way to reduce your financial load, secondly you need to find a way to generate more money.

You cannot depend on your salary alone for income. Think of any thing you can begin to sell as a means of additional income. No matter how small. The scriptures says there is that gathereth little by little and it tendeth to increase.

Think today and start doing something.

Carry out an expenditure analysis and determine the things you can either do without or cut out of your expenditure. Financial difficulty is a product of excessive expenditure and insufficient income.

So reducing your expense would help alot while you try to up your income by finding other channels of revenue.