Resolving your debts may mean that you have to budget more carefully. Many people are finding that budgeting their expenses helps tremendously because they will be able to have more money in their pockets when everything is said and done. If you're facing debt or even bankruptcy, there are a number of things you can do each day that will help to save you money and put more cash into your bank account. Doing these things takes the entire family, so make sure that you sit down with everyone and explain to them how important it is for you to establish a budget and keep an eye on spending. Establishing a budget does not require you to seek help from a financial adviser or tax expert. There are a lot of software programs out there designed specifically for people in your situation who are trying desperately to reduce the amount they spend each month. You should do some research on these programs and take a trip to your local office supply store to see what they have in stock. You want a software program that is going to be easy for you to use and provide you with what you need when it comes to putting together a budget that is easy to follow and use each day. If need be, you might want to also keep track of spending by accumulating receipts each week or every month. Put all of your receipts into a jar and total them all up at the end of the month. Another thing you can do is to look at each receipt and total up all of the items that you bought but either didn't use or didn't need at the time of purchase. After that, you can make a decision on where you want to cut costs and how you'll be able to keep track of spending more responsibly. Keeping tabs on your purchased by holding onto receipts is a fantastic way to see where your money is going and how you can avoid having it go there again if you do not need those things you've spent money on.