When most look at the amount of debt they are in, they will have the reaction that they need to make more money to get out of the situation.  If you are struggling financially and can’t find a way to increase your budget, then there are other methods that you can use to clear debt.  Understanding which approaches to take and making sure that you are able to move past the struggles you are facing will then allow you to get past the main problems that are causing you to remain in debt.  Following are the top five ways to get out of debt without the extra cash flow. 

1.  Re-budget your needs.  One of the basic problems with those that are in debt is that there are too many bills and not enough ways to meet this with the current money being made.  The best way to approach this is to look at the debt you are in as well as the current amount you are making.  You can then find a strategic way to budget your bills and spending to begin to clear debt. 
2. Work with a professional.  Whether you just need advice or want a complete plan, is the ability to get the best help with a professional.  Most that are familiar with clearing debt can help you to build a different budget and will provide you with negotiation and strategy options when working with debtors.  The advantage of working with a professional is that you will be introduced to more legal structures and options that are a part of the creditor system.
3. Negotiate with your creditors.  You can go through the several credit problems that you have and can refinance it according to your budget.  To do this, you will need to call your creditors to reduce the amount paid per month or to reach a conclusion with debt settlement.  Doing this will provide you with a different approach to fixing your budget and getting rid of debt.
4. Debt consolidation.  If you want to continue making monthly payments, instead of reaching out to settlement programs, then you can rework your debt with a consolidation program.  This will combine your several payments into one option which will allow you to control your payments, interest rates and extra fees into one monthly payment. 
5. Find extra programs for assistance.  If you still can’t find something that fits with your financial needs, then you can use extra governmental or creditor programs that are currently available.  There are several options that are a part of the current needs of the community, specifically to clear debt.