Debt advice for teens

Okay so alot of you have been asking via email and private messages how do we get out of debt or stay out of it! Well this is something that my mom showed me that has helped me stay on track and so thought I'd share with all of you.(note these aren't real amounts just a example) on a piece of paper graph out a chart with 6 columns and label the columns debit,amount, minimum payment,interest,actual payment and month end.at the bottom of the page tally up each column and write it at the bottom keep going till paid off .I personally put in mine a notes column so that of I did a payment plan I know when it's due as well as how much .