Debt has a way of piling up. One can break up debt to start the process of paying it off. Break up debt into four (4) smaller increments. For example: if one owes $10,000 in debt (credit cards, loans, etc.). Break it up by dividing it into four parts or $2500. Pay $2500 every month for four months ($2500 x 4 months = $10,000 total amount of debt). One can get out of debt in four months.
Try this by taking out a piece of paper and making a list of all of the debt one has like credit cards and loans. Write the name of the debt and the amount one owes next to it. Then, add all the debt for a total. Next, divide the total number by four. That is the number the individual can pay every month. Think about debt consolidation if it will be cost effective and easier to keep track of the debt.