In the case of overextension, you can set-up an orderly repayment plan between you and your creditors.
Anyone requiring debt management will be asked to pay a small monthly fee to partially cover expenses. Fee may be waived in hardship cases.
Spending limits must be realistic
Make the budget a family project. Everyone must be involved in order for it to work.
Act your own wage!
Refrain from using your credit to subsidize your income.
Keep an accurate record of your cash flow and expenses in order to stick to your plan.