If you owe money that is known as unsecured credit card debt, I am sure you want to get out of debt. Moreover, if you are indebted to the credit card companies, it is likely that you want to regain control over your personal finances. See debt and personal finances go hand-in-hand. When you aren’t in debt, you are in a good financial position and vice versa.As great as it would be to live your life debt-free, this is a wish of most individuals right now. Why? It is all is thanks to today’s not-so wonderful economy. It is the reason why so many Americans have lost their jobs and lost their homes and it is the reason why so many Americans are drowning in debt. The good news is that this has opened up a world of opportunities for you. There are some debt relief and personal finance steps you’ll want to take yourself, but there is expert help out there. You can make use of a financial advisor, a credit counselor, a debt settler, or a debt consolidator. Professional advice can definitely come in handy when you don’t know where to turn.As stated, above, there are some debt relief steps and personal finance steps that you can and should take yourself. One of these involves making yourself stop accumulate more debt. This is very important. You’ll never be able to live your life debt-free if you keep making your total due go higher and higher. A simple way to stop this is to cutup all or at least one of your credit cards. Then, there is the budget. You want to know right away how much you can put towards your debt each month. If you create your budget and it says that you only have $150 a month after paying all your bills, that is how much you have to putting towards paying off your overdue bills.Another one of the personal finance and debt relief steps you’ll need to take is to limit your sending. Lets keeping going with that above mentioned $150 a month. That is a good figure to put towards reducing your debt, but it still might take you years to pay it off. Therefore, the next step comes tracking your spending. Write down every penny you spend and then what you can really “do without.” You might be surprised how much money this frees up for you. Moreover, this is an important step to not only get out of debt, but also reclaim your personal finances.