3. Prioritise your debt
Assess which outgoings are completely necessary. Your debts should of course come first, followed by any bills, direct debits, and standing orders. Focus on paying off your priority debts (such as council tax), whilst paying off the interest and minimum amounts on your credit cards and loans. Once you’ve cleared your priority debts, don’t start splurging. Instead, increase your monthly payments towards your other debts and watch them clear one by one.