The first thing to realise is it’s a whole lot easier getting into debt than out of it. Getting out and staying out of debt may require permanent changes about the relationship you have with your money.

The key to getting out of debt is to figure out why or how you got into debt in the first place. If the reason was because of an ongoing issue, like spending more than you earn, then address that issue.

If you don’t know what you are spending your money on, keep a record of your spending over the next month.

Don’t take on any new debt.

This stuff article wasn’t specifically directed at KCDC councilors, but it’s one they ought to read. They probably don’t care.