Don't know if you've heard if it but there's an effective little technique called 'the debt snowball'. It's very simple in that you start by making a list of all your debts then you start paying them one by one from the smallest to the largest.
When you have debt sometimes it can all blend into one massive black mountain and working out how to deal with it can seem like an impossibility. An impossibility which is compounded when your $500 that you worked hard all month to make just seems to disappear into that mountain without even making a dent!
So start with the small debt and work upwards. Every time you see a bill disappear it'll make you feel good and give you the motivation to keep at it and see that things are not hopeless x




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