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A person can employ various simple savings strategies to manage his/her debt. He/she can regularly check their monthly bank account statements and credit card statements. Some experts believe its better to save money for retirement rather than for saving it for child’s education. As a child can receive financial aid from college and can also take federal student loan, saving money for retirement is preferred. Debt Consolidation can also be used by individuals to reduce their effective monthly payment. Nicongrp.co.uk has published an article which highlights several Savings strategies for avoiding debt. I would recommend you all to read it.