Are you in debt now and want to be debt free in 2013? Maybe not that easy, but here's a list of things suggested by DebtConsolications.com that you can do to cut down your accumulating debt:

1. Leave your credit card at home

We second this approach if you're not a disciplined shoppers and tend to buy more with a credit card in hand. However, for disciplined shoppers, a cash-back credit card with no annual fee save you money rather than costing you more, if you always pay credit card bill on time.  

Saving money can sometimes be harder than it seems. Often times, the very things that you think are saving you money often come back to haunt you. Listed below are 15 common money saving mistakes that you should avoid if you want to really put cash back into your pocket. Use these tips to save money successfully.

If you're not saving enough and I tell you to start saving today, you're not going to do it. Instead, if I tell you not to save more today, but to start saving more only when you get your pay raise in the future, you'll probably take my advise.

Being in debt is one of the situations that everyone hates to be in. So, it is really important for you to learn as to how you can avoid falling in debt. In order to learn as to how you can manage debt, it is important for you to be true to yourself. However, many people are not able to follow this. I am one of such person who has learned it the hard way. Being a girl, I used to love shopping (I love that now too!!!). I used to love the cosmetics and loved to gorge on different kinds of foods. Five years back, when I had just enrolled into college, I never used to think before buying an item. But now, things have changed a lot and now I know how to manage my finances well.