With a good plan you can be debt free.
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Coming out of debt.
Getting indebted is easy; however you must find ways to get out of debt. Knowing how you got indebted is good so that you will avoid it next time round. You can’t treat what you don’t know. Find out exactly what you spent your money on to detect overspending incidences. Tabulate all your debts so as to know where you stand. In this way you will be able to strategize how to pay of your listed debts. The final step is to ensure that you pay exactly what you planned faithfully. Ensure that as you plan to pay off your debts you don’t decrease what you normally put aside as your personal savings. Extra money should come from foregone expenses or reduction in spending. You should also explore avenues of increasing your income to facilitate payment of the debts faster.