"Keep your money off your pocket!"
Once you honor Rule# 1, the next rule to honor in order to get out of debt or stay free of bad debt is 'Keep your money off your pocket!'
You response is very crucial to getting out of debt or staying free of bad debt.
If you keep you money in your pocket or wallet or ATM, you can kiss your money goodbye. The money in your pocket or wallet or ATM is money here today and money gone tomorrow. And usually you won't even remember where did it go! So keep only in your pocket or wallet or ATM the money that you can afford to spend.
If you choose to spend first before paying your debt then chances are that nothing will be left to pay off your debt. All the while the interest keeps piling high, burying you deeper into debt.
However, if you choose to allocate first before spending anything then you are putting yourself in a better position to pay off your debt or stay out of bad debt.
This is my suggestion to you. Once you receive your salary, income, commission, sales, etc. allocate them right away! For example, put inside an envelope (with appropriate label on it) your payment for electricity, telephone, water, debt, etc. Don't spend this money.because these money are not yours anymore.