Getting out of debt on your own... Getting out of debt will certainly relieve you of financial worries, but don't go overboard in your quest.  Tips to reduce bills free:

Don't try to pay off all your bills at one time.  You may find it more beneficial to start with bills that are costing you high interest rates and/or penalties, such as credit card debts.

Don't spend all your savings to pay off bills.  Save some money in case you have an emergency.

Sound management starts at the top... if you're the head of your household, set the example on curbing expenditures.

Create your household budget with the assistance of your family to get them involved.

Add up all the debts you think you may be able to pay off over the next 12 months.  Create a graphic chart and post it in a prominent position in your home. Each month review the chart with your household to see if you're meeting your goal.

If necessary, offer incentives to your household if they help save. For example: for every $100 saved or for every $500 of debt paid off, splurge on a pizza or movie rental.