If you are having a debt, that means you are really having a problem to solve. The level of control of the problem depends on whether your debt is a projected debt or a non-contingent liability. Whether the debt is anticipated or not, the first thing you need to do is to look at it as an issue that needs to be addressed seriously. So raise your hand, shout your name, confirm you have a challenge ahead, commit to overcoming this challenge and freeing you from the debt. Ask yourself, 'Why am I in debt?', 'What was my money spent on?', 'How much money do I make each month?', 'My debt has gone up. Or do I have problems paying off too much interest? ',' Are my expenditures leading to debts or expenses for family members? '. Do not worry about finding a solution - first review your problem thoroughly and determine the scope of the problem. Then write down your expenditures, spend an item in your notebook, or on a spreadsheet to evaluate all your expenses over the past 6 months. Print your credit card statements, bank statements and put those bills in your wallet, car and sports bag. You must have an accurate picture of what you have spent, and if you have a debt, you do not seem to have a picture of what you want. Be ready to make a big change. Are rents or travel expenses taking up all of your expenses? You may have to relocate to reduce your living expenses. You may have to move to a smaller place. Or you have to put aside your hobbies aside. You have to do what you can to help you break through your debts.