Advice for those who feel drowned in debt

when you drown in debts, you often feel like the world is collapsing around you. Your thoughts swirl and don't stop. You're not sleeping, and you're worried about whether your next paycheck will be enough to support your family. And then the questions fueled by endless worry begin: How am I going to make ends meet? How am I going to cover my mortgage/rent this month? Will these collectors call my boss (shame on you)?

You're not alone. In fact, 78% of Americans today live paycheck to paycheck.1 That means you're not the only person who's been in debt. In fact, Dave knows all too well what it's like to be drowning in debt. But he decided enough was enough. And you can too. Choose, right now, to start changing the way you interact with money.

Did you know that personal finances are 80% behavior and only 20% head knowledge? That means that with a plan, and a lot of hard work, you can be standing on solid ground in no time. And who knows? You might even become a run-of-the-mill millionaire. We believe in you!

For some adults, one of the scariest things is opening a very high credit card account.

Shoes, clothes, furniture... so many things to buy now and pay for later, all with a swipe of the card.

But how long does it take to pay for all those purchases?

Credit card holders have an average revolving balance of more than $6,500 on their credit cards. So how can you stop spending before it gets out of control? Don't worry, here are some ways you can kick your credit cards until you pay off your bills. debts.

One way is to make online shopping inconvenient. Opt out of saving your credit information for online stores. The extra step of putting in your credit card each time can set you back long enough to question whether you need the item.

Read More: 3 Ways You Can Get Student Loan Debt Forgiven

Also, think of cash as king. Carry a certain amount of cash with you so you know exactly how much you're spending.

Asking yourself before you make a purchase can ensure you're not wasting money frivolously. Ask yourself if the item will add value to your life. And how long will it take you to pay it off?

To prevent you from using your credit cards, you can also freeze them… literally. Put them in a glass of water in the freezer. Now, when you really want something badly enough, you'll have to wait until your card has thawed and generated more debts.