One of the quickest ways to get out of debt is to start paying it off immediately - specifically paying more than the minimum. Doing so can reduce credit card and loan debt before it continues to accrue interest.
Next, create a budget that your household can stick to on a regular basis. Good Housekeeping Magazine recommends coupon clipping and sales hunting to pinch more pennies and put money toward savings.
Finally, think about ways that you can change your spending habits. Perhaps you could dine out less or spend fewer nights at the bar.
Speak to your phone psychic if you're interested in finding out when you'll be out of the hole. A psychic reading may indicate that your efforts will pay off in a matter of just a few months.