At some point in our lives, most of us have borrowed too much. If you're in over your head, don't despair. But make no mistake: You must learn to live on what you earn.
First, stop making excuses about why you're in debt. Don't blame the credit card companies or your parents. Put that energy into reducing your debt. (See "Solving money problems.")
http://articles.moneycentral.msn.com/SavingandDebt/ManageDebt/Your5MinuteGuideToManagingDebt.aspx
