 TITLE: How to Combat Debt Shame CONTENT: 2\\. Come Up With a Plan\n-----------------------\nOnce you have listed out all your debt, it's time to take steps to minimize it. Create a monthly budget that includes your rent or mortgage, utilities, phone bill, food, gas and other expenses. Compare this with your monthly income to get a better idea of how much you will have left over each month to incrementally pay off your debt. Other steps that will help include:\n*   **Paying your bills on time each month.** Sign up for automatic payments or payment reminders so you don't forget to pay your bills. This is the best thing you can do to improve your credit score, as payment history is the biggest factor in determining your score.\n*   **Supplementing your current income.** Whether that means asking for a raise, taking on a second job, or utilizing the money your grandparents gave you for your birthday, look for inventive ways to enhance your earnings.\n*   **Finding ways to save money.** Cut back on the non-essentials. While going out to eat less and forgoing your annual vacation might not sound fun, every dollar you can put toward your debt counts. Prioritize your finances first and celebrate paying off your debt later. END