What do we need to do to get into debt relief?

First rule of thumb is: spend only what your budget can afford.

Yeah right! Easier said than done. ;-)

Second rule of thumb is: leave your credit cards at home when going shopping or malling.

That is if you can bring enough cash with you!

Third rule of thumb:  if you do not have enough cash with you, don’t go out of your house!

Ha ha ha ha.