In these tough economic times, it is not unusual for people to find themselves dealing with financial stress. Rising fuel and food prices, combined with a tight job market, are just some of the difficulties facing people today. If you find yourself carrying more debt than you care to admit, there is good news: you can change your spending and saving habits, and budget your way out of debt.

If you have not reviewed your budget lately, or are living without using a budget as a financial tool, take some time to look at your finances today. The first thing to understand is that budgets are not evil. Creating a budget takes time and discipline, but the end result is much better than free spending and wondering "Where did my money go?" when you realize your checking account is near zero.

Keep these tips in mind to help you budget your way out of debt:

Avoid overspending - While you might think this is easier said than done, you can do it. The best way is to stop shopping with a credit or debit card. Use cash, and you will spend less on your next shopping trip.

Brownbag your lunch - Instead of spending money for lunch at restaurants, start packing a lunch. You will save money, find a better variety and can even start some healthy eating habits.

Stop those impulse purchases - Resist the urge to buy those little extras that you see at the supermarket or convenience store checkout registers. Candy, gum, magazines, etc., all add up and can take a bite out of your budget.

Keep an eye on bank fees - Most people are shocked when they find out how much money per month they waste on bank fees. While it might be convenient to use an ATM machine to grab some cash, those fees quickly add up. Make a habit of creating a budget, and withdraw cash from your bank for purchases you will need for the week. (And if you run out of cash, DO NOT use a credit card.)

Start a savings account - You must start putting money into a savings account each week. Even if it is only ten dollars, do it. Most people think that it is not worth it to deposit small amounts; but after a few months, those small amounts are becoming a larger savings account balance.

Look for creative ways to slash your grocery bills - With rising food prices, you need to get a little creative to find the best deals when buying food. For example, buy fresh fruits and vegetables from local produce stands. The prices are usually less than the supermarket. Another tip is to write a list before you shop, and don't buy anything that is not on the list. Non-grocery items, such as paper towels, cleaning products, etc., will almost always be less expensive at such places as Wal Mart, K-Mart, and other discount stores.

These tips can help you on the road to debt consolidation. If you need more help, try contacting a professional debt management company.

John Riddle is a freelance business writer and editor with over 30 years experience, his byline has appeared in The Washington Post, The New York Times, Boston Magazine, and dozens of other publications