It goes without saying that being in debt can be a stressful experience, and with American consumers being nearly $11.13 trillion in debt, of which an estimated $894.8 billion is credit card debt, everyone is feeling the pressure to become debt free. However, it seems as though consumer debt is on the rise. CBS News reported that consumer debt in the United States increases by approximately $75 million per hour. There are several misconceptions and stigmas associated with being in debt. The truth is, most people burdened with debt are not fiscally irresponsible, but rather, unfortunate circumstances such as layoffs or medical expenses due to illness have resulted in debt. Many people struggle to find the best debt solutions for their needs, but this can be difficult. However, help with debt is available, and there are a number of resources, both online and in person that provide quality debt help. Here are five simple ways that can help you get on the fast track towards debt relief. Stop Borrowing Money Getting out of debt means critically reviewing your finances and lifestyle. The biggest no-no’s are acquiring more debt in order finance furniture, sign up for new credit cards, pay for expensive cell phone plans, etc. It’s time to skim off the unnecessary fat and get back to basics. This will allow you to focus solely on the debt you already have and develop a personal debt management plan. Begin Saving You may wondering how you can save while attempting to get out of debt. However, having an emergency fund is important. Emergencies happen, and if you don’t have funds set aside to cover those expenses, you risk racking up additional credit card debt. Creating a nest egg creates a buffer between you and your debt. Even if it is only $5 a week, it will add up quickly. Debt solutions do not only focus on the present, but plan for the future, as well. Consider Seeking Help From A Debt Relief Agency Debt relief agencies offer a variety of flexible debt solutions in order to help their clients reach financial freedom. They provide focused debt counselling services in order to determine the best option for your individual financial needs. Additionally, they can provide you with financial planning advice to help you make better, and more informed financial decisions in the future. Though being in debt is stressful, it won’t last forever. Take charge of your debt, and develop a financial game plan and begin your journey toward become debt free.