3) Try to seek new deals with Creditors.
Ask your creditors for payment deferments or a better interest rate. Let them know you are having cash flow problems and let them know you need to work new arrangements t keep you ou of bankruptcy. It may seem like a daunting task, but it will be well worth the effort. Remember to keep all promises you make with your creditors and do not commit to anything more than you can handle.

4) Loan Consolidation
Depending on your credit situation, you may be able to consolidate your existing debt. Use the loan to get rid of your high interest debt first. If possible, consolidate all your loans into one. It is much easier to "remember" to pay one bill than five. If you do consolidate, DO NOT use your credit cards or use cash advance loans!! This will only start the cycle of debt all over again and make it even harder for you.

5) "Find" cash wherever you can.
You'll be surprised how much you can find around the house. Do you have clothing, collectables, ot junk around the house? Ebay is a great source for finding cash in the many item around your home. You may also have "cash value" built up in a life insurance policy. You can convert this policy into term and collect the cash.

6) Reduce Housing Costs
There are many ways home owners can reduce costs. Check your property taxes, The tax assessment on your home may not be acurate. If you feel yours is high, you can complain and get a possible adjustment. If your credit allows, refiance your loan if the interest rate is lower. Renters, as well as, homeowners may be able to save on their insurance coverage. Increasing your deductable can save you money.

7) Reduce Restaurant Meals
The average American spends almost 40% of their food budget in restaurants. Since a meal at a restaurant can cost 3 to 4 more than home cooked meal, you could easily save $100 per month.

8) Quit Smoking
Smoking a pack a day can cost you $1200 per year or more. Depending on the state you live in. In addition to the money you'll save, you'll feel and smell better and live longer. Non smokers also pay much lower premiums for life and health insurance.

9) Evaluate where you shop.
Where you shop is just as important as what you buy. Eliminate all foods purchases at convienence stores. Lazy shopping costs really add up. If possible, Buy your staples in bulk and when they are on sale.

10) Increase your take home pay without getting a raise.
Take a lot at last year's tax return. If your return was $1200 last year. You could have taken home $100 more per month. You could have use this money to pay down your debt. Eliminating interest paid on card cards. Or you could have invested this money and earned a return on this money. Ask your employer for a w-4 form.

Use the following -- http://www.irs.gov/individuals/page/0,,id=14806,00.html -- link to help you determine the proper amount of deductions you need to claim.