Has life become a day-to-day struggle because of your mounting payables?
Do you wonder when the sleepless nights worrying over how to pay the bills will ever end?
Do you feel that your financial situation is causing you more and more tension and embarrassment?
The good news is  you can get rid of the debt cycle  and regain your  financial  freedom. Not only is getting out of debt possible, but you can do it without living like a pauper. 
Like getting over an addiction, getting  over a problem  with financial  dependency  is difficult  but very rewarding. 
The first step is process is to control  the  common habits  that  force  you to overspend. 
The temptation to spend, spend and then  overspend can be irresistible. 
Often we get deeper into debt because of common spending triggers.
What triggers  you to spend? Recognizing them will help you control the urge to spend:

The “I-work-hard, I-deserve-it” attitude.
After the hard day at work , you often “treat” yourself  by buying something that  you fancy  special – a new CD, a lipstick  or a new shirt. Or perhaps you decide to have a drink  or two at the trendy bar along Jupiter St. All these to get a sense of feeling good. After all, you deserve these by working hard! But this attitude can become too expensive in the end. There are countless ways to give yourself a treat that won’t cost too much and will help you feel better, not worse, about yourself. How about jogging in the park, trying  your hand  at gardening as a spiritual exercise or attending a free concert?
Fighting depression by spending money
When you are lonely and upset, do you feel  like wanting to get out and spend  money on anything? If  you are frustrated with the way your life is going, or if you have a fight with your family or your boyfriend, that’s when you spend money. And you justify it by  telling yourself  that your life is terrible so if you buy this one little thing (or 10 little things) that  it isn’t so bad and anyone would understand .  Unfortunately, having little money left can  even worsen  your depression.  Learn to conquer  your emotions by doing  other activities that won’t require you to spend  money. Because the more you are in debt, the more  you will only be depressed.

Shopping as a hobby. 
Shopping and eating out have become the “cool” things   to do these days.
These have become rituals for many and overspending has become the  easy result. Shopping is definitely  a great pastime. However there are also many other great alternative hobbies that won’t  burn up so much of your money. Next time you want to pass away your time, resist stepping into the mall or a restaurant. Remember that the moment you do, it will again trigger you spending.

Bargain Hunting.
Do you always get excited by those big bold manners announcing a MEGA SALE at the mall? Or when you drop by the mall and you suddenly discover a sale at a certain shop, do you suddenly feel the impulse to buy bargains? Why not?  You think you can save money!
But think again. Actually, you may not be saving  money because you are buying something that you may not  need! Yes, they are at 50 percent discount but do you really need the extra pair of shoes or that trendy  gown that you may not be able to use at all, unless you get invited to a formal dinner at the Shang-ril-la?
Retailers are always  going  after our money—that’s  their business. But our business is to  take care of ourselves by handling our money well.

Credit Card mentality.
It’s easy to buy something using a credit card. You don’t  actually see the money  coming out  of your pocket, so don’t  feel the painful price your paying.  Besides you think “The minimum payment is only P500 per month. I can afford that!” You see another item  to buy and you say the same yourself. You only  realize  that you bought too many items when the billing statement comes and the payables wipe out  half of your salary. Next time, avoid  using your  credit card, unless for emergencies. Better still leave this plastic card at home, so you won’t get to use it the moment you feel  any temptation to buy something.