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During harder times – well during ANY times, but harder times just make it seem more important – one should get into a little debt management. The idea behind debt management is that you want to have as little of it as possible, even though the idea now is to have a house (you have to borrow money to buy it) a bunch of stupid plastic electronic crap (that you have to use credit cards to buy) and a brand new car (once again, borrowing) and so forth. Budgeting tighter to pay off these debts is a good idea, so you can start putting more money in your pocket, instead of towards debt relief one day, through http://personalmoneystore.com/moneyblog/2009/10/24/get-debt-relief-rainy-day/ ">debt management.