Be sure you know who you are getting debt elimination advice from. If you are getting debt elimination advice from someone who says you should play the lottery, would be like asking marriage advice from a five time divorcee. Even though I may still technically be in debt, I am working at eliminating it. I offer you the same tools at eliminating debt for free through my youtube video. Just google my name: Daniel Dybowski. You too can learn how to live within your means by lining up your expenses versus your income. Once you see what you spend your money on exactly, you are better off at knowing if you can actually “afford” to make a purchase. I am a living example and a testament to financial victory, because I know it works.