15 Ways an Individual can Strive to Avoid Debt Bankruptcy 
       
To Deal with and Overcome their Increasingly Overwhelming Debt

Prior to sharing the suggestions below, we recommend you buy this book which will show you a way to track and control your expenses. This will give you a clear idea of what you spend daily, weekly or monthly and aid you in reducing expenses where necessary.

1) Accept the fact that you are in debt and forgive yourself. If you're in denial, you're more likely to repeat the pattern and not be able to avoid debt bankruptcy.

2) An case in point of how you can reduce your monthly expenses. For example, once the price of fuel had increased, our monthly fuel costs went from about £200 to about £350 to £400. In an effort to reduce our costs of fuel, I stopped taking short trips everyday. On top of this, my husband drove my car on weekends because it costs less fuel.

3) If you find you are making several trips to the grocery store or supermarket during the month, try reducing the number of trips to once a month except for fresh vegetables. This will reduce the number of times you have to put petrol or diesel in your car. Today, it costs more just to leave the house to shop and go to work.

4) With electricity bills rising, begin making repairs to your house now. For instance get a programmable thermostat and set it on a certain temperature to turn on automatically.

5) Optionally, get a second job for a short period of time to earn extra income. If you are married, this should be the person who has the ability to generate more revenue. This could be one of the major ways you could avoid debt bankruptcy.
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6) For single people in debt. If you don't work on your normal job over weekends, get a temporary weekend job and put these funds towards the bills as well as your regular income.

7) If you have both a cell phone and a regular phone, re-evaluate having two phones. Maybe you can remove the regular phone and just use your cell phone if most people you call on this number.

8) To further lower your phone costs, we recommend texting to the people you would normally phone. Once you get the hang of it texting works amazingly well and could significantly reduce your phone bill.

9) If you are a stay at home mother think about not sending your child or children to day care. It can work out to be quite expensive. Consider rather getting together with your friends who have children and taking it in turn to look after the children.

10) Consider carefully about how to make your money go further when it comes to your children. As a case in point, a baby of six months does not need name brand clothing. Consider joining or starting a 'mommy group' where you and your friends can exchange clothing based on gender and age and size. Many families and friends have a couple of moms that they swap clothes which saves each of them having to shop for new clothes which is costly.

11) Consider also the costs of grooming for adults: Is it absolutely necessary to get your nails done every week? Could you put that money towards a bill? And your hair, is it necessary to have a perm, a weave, braids or tinting every week. Is it necessary to an expensive salon when some of the more reasonable salons do a very good job for a much lower price? I'm not saying do not pamper yourself, but as times get harder what is the need? Phone a few salons and get an idea of their pricing and then make a choice.

12) It is absolutely necessary to maintain your vehicle but going to a car wash every week is not. You can wash your car at home or get one of your children to do it. Show them how much it pleases you and you will find that they will do it willingly

13) If you like to go out to eat, reduce the amount of times per month. Because you are buying groceries for the month try cooking at home.

14) Whether you are going to the movies, or to bars or happy hour these outings can cost a lot. For example for two people going to a matinee it would cost £9 per person which adds up to £18 for two people before you even have a meal, which could cost another £20 to £30.00. Consider whether you really need to see the movie now or could you wait three months and see it on DVD for only £3.50. You could even invite your friends around to enjoy it with you.

15) Consider how much you might be spending on vending machines per week either when you are at work or if you work outside the home. Try taking snacks from home to eat and drink instead.

It is time to seriously re-evaluate how you spend your money.
There has to be some restructuring DURING these hard economical times if you hope to come out the other side intact. On the other hand these times don't have to be so hard that you cannot enjoy your life.