I racked up $25K of credit card debt by not tracking my spending and then building up so much fear around my finances that I was afraid to check my accounts.

While the tips mentioned are solid, some people need more extreme options.

My "diet" involved four months of sleeping in the woods, naming porn flicks for cash, selling other people's restaurants (no license necessary), and giving up alcohol and eating out.

Too extreme for most? Yes. But if you're single / have few responsibilities (i.e., young millennials) it might work for you.

I wrote a step by step book on this subject called Debt Destroyer: https://www.amazon.com/Debt-Destroyer-Achieve-Financial-Free...