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Assess the purchases that put you in the hole. Are they "needs," like utilities or medical bills, or "wants"? Simply reviewing your statement honestly can make you realize how easily the "wants" creep up—and help you curb your spending going forward.
Please note: This is general information and is not intended to be legal advice. You should consult with your own financial advisor before making any major financial decisions, including investments or changes to your portfolio, and a qualified legal professional before executing any legal documents or taking any legal action. Harpo Productions, Inc., OWN: Oprah Winfrey Network, Discovery Communications LLC and their affiliated companies and entities are not responsible for any losses, damages or claims that may result from your financial or legal decisions.