Get-Out-of-Debt Resolutions for 2013 By DR Dec. 5, 2012 | 4:33 p.m. EST + More 2. Track your spending. Next » 3 of 8 « Back (iStockPhoto) You need to know where your money is going so you can pinpoint where to trim unnecessary expenses. You can use a website like Mint.com to follow your dollars. Next: 3. Create a budget.