Debt can feel like a heavy cloud hanging over you. I know because I was there. A few years ago, I was juggling credit card debt, a small personal loan, and some unpaid bills. It was stressful, overwhelming, and honestly, pretty embarrassing.
But I managed to get out of it — and I want to share how, without sounding like some financial guru or preaching.
First, I stopped ignoring the problem. I used to avoid opening bills or checking my bank account because I was scared. That only made things worse. Eventually, I had to face the music.
I wrote down everything I owed — every credit card balance, every loan, every bill — and got a clear picture of what I was dealing with. It was painful, but necessary.
Then I created a simple plan. I looked at my monthly income and expenses and figured out how much extra I could put towards debt. Spoiler: it wasn’t a lot, but it was something.
I chose to focus on paying off the smallest debt first — not because it was the most important, but because it gave me a quick win. Seeing one debt gone motivated me to keep going.
I also cut back on unnecessary spending. That didn’t mean no fun at all, but I stopped impulse buys and made coffee at home instead of buying it out.
Over time, those small steps added up. Month by month, I chipped away at what I owed.
What I learned? Getting out of debt isn’t about magic or huge sacrifices. It’s about consistent, steady progress and being honest with yourself.
If you’re in debt right now, know this: it’s not hopeless. You don’t have to fix everything overnight. Just start by knowing where you stand, make a plan, and take small steps forward.
