Make a comprehensive list of what you owe—credit cards, student loans, mortgages, etc. Include interest rates, minimum payments, and total balance to understand the full debt picture.
Set a Budget
Create a manageable budget which details income and expenses. Deduct necessities like housing, food, and transportation. The remainder can be allocated to paying off debt. Be realistic and thorough.
Choose a Plan
Select a debt repayment strategy. Two common methods are the 'snowball method', where smaller debts are paid first, or the 'avalanche method' which focuses on high-interest debt.
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