At the end of the day you want to ensure that your income is greater than your expenses. You have to start thinking like a corporation. A corporation makes money. You are the lender not the borrower. Start with your net worth and begin to understand your assets and liabilities. This will give you dead aim to start cutting immediately. The problem is not making more money. The problem is that your liabilities (short term or long term) is putting a stranglehold on your money. I have a net worth sheet that I have put together in my book – Hostile Takeover. It may be worthwhile to start the process of thinking like a corporation. I have always said that the breakthrough of debt is in your hands.