List all debts, balances, interest rates, and minimum payments
Stop taking on new debt
Build a strict monthly budget
Cut nonessential spending immediately
Pay more than the minimum on one debt
Use the debt avalanche method
Use the debt snowball method if motivation matters more
Put every extra dollar toward debt repayment
Increase income with overtime, side jobs, or freelancing
Sell unused items and apply the money to debt
Negotiate lower interest rates with lenders
Consolidate high-interest debt if it lowers your rate
Refinance loans when it reduces total cost
Automate payments to avoid late fees
Avoid cash advances and high-interest borrowing
Use windfalls like tax refunds and bonuses for debt
Track progress weekly
Keep an emergency fund to avoid new debt
Consider credit counseling if debt is overwhelming