Stress and anxiety

It is the first step that Debtors must overcome.

Sleepless night! Non stop calls! No appetite!
This are most common symptoms first faced when they found themselves trapped in debts.
While the brain is processing to source for solution it never encounter, it is beneficial that the debtor should start to read up and get
Some solution be it on the internet or other peoples' experience. This will ease the workload of your brain much.

It is good if you sum up your debts including any interest. Calculate how long you take to clear and if it cannot be clear in your lifetime then don't bother anymore. Just live your life to the fullest the best you can.

Clear the debt with the highest interests. This advice is simple and given by many people but it need a great discipline after you clear it as you may have some spare change to use unwisely again if you do not focus on the other debts. It is good if you clear the highest interest debt with your saving or long repayment interest free loan from your families or friends that trusted you. Make it a point to return certain percentage every 3 months or on you bonus payout if any. This way you will not have excess money to splurge but be reposible to friendship and kinship loans. This is to maintain your trust that you given to others.

Quit what cost your debts. Be it gambling or addiction. I can say to cut down slowly. 1 good way is to pay your debts first hand when you have money regardless how early it is. This is to prevent you from turning naughty. But if you incurred debt due to bad luck e.g investment. You may have ways to make good use of your money on hand if not... Use it to settle your repayment fast.