I am sure I haven't covered everything but just wanted to give you a flavour.
Suggestion 4 - Money, yes, that old chestnut!
Sit down and write down all your income and outgoings. There are loads of blogs around that help you deal not only with debt but how to deal especially with credit card debt.
I just want to talk about the usual things, such as utilities and food. Shop, shop, shop around and then shop around some more. We change our electricity company every year. We compare online, find the one that will give us the best deal then swap, it really is relatively easy nowadays.
We usually use the same heating oil company but go on a comparison site first to make them bring down their quote. Same with house and car insurance. We have gone on a water meter and now pay 2/3rds less than we did before, a huge saving.
We do treat ourselves to tennis tv every now and then because we both love tennis and it is the cheapest option.
Check all the tv and phone packages you have. Do you really need them, do you use them to their full advantage? If not, change, pare back or get rid.
Are you saving each pay day? If you have any money left at the end of one wage month, save it as well, it soon adds up. Check for the best interest rates and move savings if necessary.
Sell anything you no longer need.
Food - cook from scratch, menu plan, shop for that menu plan as mentioned before.
There are loads of ways to change how you live, don’t just dream about what might be, deal with it.