The journey to debt freedom requires a lot of deliberate work especially for those with a lot of debts piled up on their plates. It can be quite overwhelming just trying to figure out where to begin I tell you. Dave Ramsey said once that getting into debts is similar to taking an elevator to a destination but getting out of debts is like taking the stair case. A long way to go!
No matter the size of your debts, the first thing is to determine to stop adding on more debts. This might sound like a no-brainer but I tell you that it is kinda impossible sounding for some people. Yes! There are people who do not really think that they can survive on just their income no matter how little or great.