If one does not have enough knowledge on how to manage the money earned by you in the right way, it is a good idea to seek advice. There are many financial experts who know exactly what has to be done, where to invest, how to earn interests, how to save money; anything and everything you need to know they can help with. If you take their advice at the onset, it is very unlikely that you will fall in debt and even if you do fall in debt they will be able to help you pay of all your creditors at the shortest time possible. In case you have many loans it is a good idea to apply for a consolidation of debt loan as it is easier to make one payment regularly.