Make a list of every debt, balance, interest rate, minimum payment, and due date
Stop taking on new debt
Build a bare-bones budget
Cut nonessential spending immediately
Pay more than the minimum on one debt every month
Use the debt avalanche method: attack the highest-interest debt first
Use the debt snowball method if you need quick motivation: attack the smallest balance first
Put all extra money toward debt payments
Increase income with overtime, side work, freelancing, or selling items
Apply windfalls, tax refunds, bonuses, and gifts directly to debt
Call creditors to request lower interest rates or hardship programs
Consolidate high-interest debt only if the new terms are better
Refinance loans if it reduces the total cost
Avoid balance transfers unless you can pay them off before promotional rates end
Automate payments to avoid late fees
Prioritize debts with the highest interest and highest fees
Use cash or debit for daily spending
Track progress weekly
Keep an emergency fund small but available to avoid new debt
Negotiate medical bills, collections, and past-due accounts
Close unused credit accounts only if it will not hurt your credit plan
Stay consistent until all debts are paid off