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And to help you reach your goal of being debt-free, I’ve assembled a list of 23 tips and tools. Use Free Excel Templates: Microsoft offers free Excel templates that can help you track your debt and a budget.
Be Realistic About Paying Off Debt: While we all want to get out of debt fast, we do have to be careful not to get too aggressive. Highest Interest Rate First: With this approach, you put all the extra cash you have on the debt that has the highest interest rate. Non-Revolving Debt First: While many talk about the two approaches above, few look at the type of debt when deciding which one to pay first. Understand the Importance of Your Credit Score: As noted above, your credit score is an important tool in getting out of debt as quickly as possible.
While you are working to improve your credit, it’s important to be on the lookout for ways to reduce the interest rate on your debt.
Lower the Interest on Credit Cards: Because interest rates on credit cards have risen so much in the last year, getting a lower rate on credit card debt can save a lot on interest payments. Be Careful with Debt Consolidation: While it is important to take advantage of the lowest interest rates possible, the one area where you want to be really careful is with debt consolidation companies. As I said at the start of this article, one important aspect of getting out of debt is spending less and making more. Painless Money Saving Tips: There are countless ways to save money without sacrificing your standard of living. If you have other tips or tools to help folks erase their debt, please share them in the comments below. Figuring out debt (thanks to software and online tools) are easy nowadays but as most important aspect seems to be getting others involved, most importantly your spouse or significant other need to be in same page. Decide why are you going into debt, determine what you are going to get out of it in the end and how much your purchasing decision will cost you. Bad debt is purchasing stuff on loan that will lose value eg consumable items, white goods etc. Also transfering non-tax deductible debt (like credit cards and store cards) to tax-deductible debt (like HELOCs, or student loans) will make the interest rate cheaper. I FOUND THE SMARTEST WAY TO GET OUT OF DEBT, IN ADDITION TO THE MANY YOU HAVE ENUMERATED, WAS TO GIVE UP SMOKING, DRINKING, OR ANY OTHER COSTLY BAD HABITS.

The suggestion regarding paying non-revolving debt off first is one I’ve never seen before reading this article.
I have interspersed non-revolving debt payoff with revolving debt payoff because, in an emergency, I may still need to charge something. Now that you are on a time limited, low income, it’s time to stop looking at debt reduction and start looking at your capital resources. I do quite agree with Chuck, a good way to kill debt is stop spending on the things that kill you to save money and get out of debt.
Getting out of debt is very hard as those who get into debt are the most part those who are not conscious of their financial situation, so you have to teach such ability to that person before they can get out of debt. When it comes to debt, you should know everything about the terms and conditions of the money you owe.
If so, you can use the tools within the software to record all of the debt you owe and to develop a plan to pay off that debt. If you don’t see eye-to-eye on finances, it can make getting out of debt even more difficult than it already is.
This approach will result in the lowest interest charges and the fastest debt repayment possible.
Recall that revolving debt, like credit cards, allows you to borrow again after you’ve paid down the debt. While you may be tempted to put 100% of your extra cash toward debt, keeping at least some of it aside for emergencies will help break the reliance many have on credit. One of the factors in determining credit score is the amount of debt you have in comparison to the amount of available credit. Whether the debt is a home loan, car loan, credit card or some other debt, getting the lowest possible interest rate will help speed up the time it takes to eliminate your debt. This book puts money in perspective and was for me a real source of motivation to get out of debt. You mentioned some really helpful tips as for me and I think if everyone will follow them it can even improve the current economy system.
While the plan will involve making extra payments, the starting point is to understand what you are up against making just the minimum payments on your debt, and this calculator will help you do just that. While that debt may not have the highest interest rate, the theory is to get one debt paid off as fast as possible.

Non-revolving debt, like a car or school loan, does not permit you to borrow again as you pay down the debt.
It makes you a slave to the debtor and ties up money you may otherwise have for other things. COSEQUENTLY, I WAS ABLE TO PAY OFF MORE THAN $70,000 OF DEBT, AND HAVE BEEN ABLE TO SAVE FOR WHATEVER LUXURIES I MAY HAVE WANTED, AND WAS ABLE TO PAY CASH, EVEN FOR MY LAST THREE HOMES.
I am completely maxed out and working on debt repayment but desperately need an income source I can squeeze into my spare hours at home. Your suggestion # 2 is a good one.While I agree that people need to know how much they have coming in and going out, I also notice how discouraged people are after failing to follow a budget due to this thing called life happening. Depending on your situation, one approach may be better than another, but if you consistently pay down your debt without incurring more debt, you’ll make great progress regardless of which debt you pay first. Check out Multiple Income Streams: 10 Ways to Earn Extra Income for some ideas and links on how to build a second income.
Nothing like a bit of accountability to help keep progress moving with eliminating your debt.
The fact is that controlling your spending and paying off your debt is not an easy thing to do. First, paying off a debt gives you a feeling of accomplishment, which may be just the motivation you need to keep on track. With a credit card, once the debt is paid, the card is still there to use again if you so chose.
Second, by paying of a debt completely, you free up the cash that was needed to make monthly payments to that bill.
While you are likely to put that cash to the next debt, in an emergency, you could use it for other purposes. This is purely a psychological issue, but an important one, particularly if you fear you may lack some discipline once some of your debt is paid off.

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