Regardless of gender, debt can often seem insurmountable. Whether you have a mountain of credit card debt or huge  student loans, you may feel that you might never repay all of it- let alone chip away a large chunk of it.

No worries, you’re not alone!

Debt, for sure, is no trivial matter. We can pay it down with a plan and perseverance.

If you’re in a financial rut, you need to assess how far up the creek you might be.   To get out of debt, you need to change your lifestyle.

  • Fall back on the impulse spending and embrace frugality.  Be diligent about lowering your expenses and cutting back on your spending.
  • Some people were all about doing whatever it takes to achieve financial independence. They flip burgers, deliver pizzas, wait tables, babysit, clean houses, etc
  • Pay as much as you can above the minimum balance.  Commit every extra dollar to the debt balance.  Put all of that money into settling credit card bills because they generally come with higher APR (Annual Percentage Rate).
  • Lowering your living expenses -even temporarily- can help you quickly pay down the debt.

Some took overtime whenever they could. They stopped counting on others to bail them out of the precarious situation (debt) they were in, and learned to keep the cost of living as low.  Some of us don’t like to think that women wait for prince charming to dig them out of debt – but it happens.  The point is – sacrifice and commitment gets you the results you need in this area.

So, how are you going to fight back against debt? We hope you win!