The only answer i know of is the simplist of them all Stop spending money on anything you don't need. Get really serious and cut back on everything down to the bone. Cut up all but one credit card and only use that if you can pay it off each month. Next pay off all the bills starting with the smallest as fast as you can. It's gonna hurt at first. (like buying a house) But when it over it's a good thing. (I love a FICO of 800)

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"What you hear in a great jazz band is the sound of democracy. “The jazz band works best when participation is shaped by intelligent communication.”
Harmony happens whenever different parts get to form a whole by means of congruity, concord, symetry, consistency, conformity, correspondence, agreement, accord, unity, consonance…….