Automate your debt payments
Some of the best known personal finance experts recommend using the debt snowball technique to pay off debt. The idea is to list your debts from lowest to highest, and then set aside an amount of money each month to put towards the different items. The bulk of the money is put towards the lowest debt and then you pay only the minimum payments for the rest. As you pay off each item, more money is applied to the remaining debts until they are all paid off. To make it automatic, you can set up pre-programmed bill payments through your online banking.

Speak with your creditors about lowering your interest rate
Experts suggest calling your credit card provider to negotiate a lower interest rate. Many may be open to helping you in this way to keep your business. Alternatively, your bank may offer a lower-interest credit card and that might be a good solution for you.

Get professional advice
Canada Life has sponsored credit counseling from the Credit Counseling Society. Credit counselors are knowledgeable about the different options that can help you eliminate your debt, including debt management programs, consolidated loans and consumer debt proposals. To learn more about this service, call 1-888-527-8999, or 1-888-753-2227 if you reside in Quebec or the Maritimes.

Call the AFC which does provide financial support, financial management programs and other supports to help you get back on your feet.

Rags to Reasonable was founded by a member of the entertainment industry who understands the money challenges of members like you. They can help you with advice, tools and worksheets to get you back on track.