The first step to clearing debt is to work out how much is owed to whom.
The key to managing debt is to not give up. The first step to tackling debt is to take stock of what is owed and understand one’s debt situation.Compile a list of current debts owed along with the most recent statements available for each. Consider a payment plan that pays the largest amount to these debts, or possibly repaying this higher interest rated debt with another source at a lower rate, then tackling a more manageable payment.
While working with one or two high-priority debts, continue to make at least the minimum payment on others to avoid racking up late fees.
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