Your debts make you desperate. As a result, your decision-making becomes increasingly irrational. As a result, you grow increasingly despondent and spend money on courses and get-rich-quick schemes to pull yourself out. As a result you get into deeper debt. You need to keep it all so simple and tackle everything step by step by building an easy business to haul you out. Here's how..

Step 1 Set up a way to receive, yes I said 'receive' money. This will quickly begin to change your mindset from someone who believes your money is all about outgoings and expenses to a mindset of someone who is going to annihilate their debts and build their wealth.

It's important to remember that most of us reach debt through bad spending habits and financial illiteracy. We were never given the necessary mindset in our early years and as a result spend the rest of our lives with negative financial beliefs.

This simple first step requires a shift in that old belief system if you ever want to succeed, feel worthy and deserving.

Step 2 Set up a way to gently build a business that isn't going to break your back, allows you to keep your day job, and requires hardly any money to set up and run. Sell things that already exist and don't require you to get into heavy investment commitments. Clickbank is a fantastic resource for some excellent quality products that their owners need you to promote and will pay handsomely for.

Step 3 Find out how to promote your easy business to the public for free. There are countless ways to do this online, and physically. There are websites out there offering free business cards and other promotional stationary where you can get your startup materials for postage costs only. Try them out.

Step 4 Ask your friends for help, and pay them for it with a share of someone else's revenue. Companies need your help and will pay well for it. All you need do is determine which kind of deals work for you and enable you to give things to your frineds and family that they could actually benefit from.

Step 5 Write simple, useful and informative articles that editors are gagging for. Content is king and probably always will be. Your views are unique to you so your content, if written by you, is always going to be different.

Step 6 Easily learn to use the age old technique of classified ads which cost you nothing or next to nothing. You can use the internet or local and regional newspapers. People still look in there to find bargains and useful stuff. There are ways of writing up classified ads that you need to learn. There are plenty of people who can show you how to do it. Read their testimonials and I advise you to look for independent reviews of their courses and products.

Step 7 Find groups of people online who are interested in discussing what you have to offer because it's relevant to them and in some way improves their lives. This is a great form of market research. You're looking for people who are wanting to buy hopefully something that you can supply them with.

Taking these seven positive steps means you are taking action to change your life. Your desperation, born from your debt, your old bad habits and negative financial mindset, will quickly change into hope.

After the hope will come the realisation that you, your magnificent mind and a little help can kill your debts for good and usher wealth into your life.