6. Get rid of your bad debt habits
Lastly, stop creating new debt! This is probably the most important step to take when it comes to a debt-free life: being responsible. If it seem impossible for you to stay away from your credit card, hand it to a friend or a family member.
Getting out of debt is a long process. In fact, a single mistake could cost you dearly, making your six-months worth efforts useless. Try to stay consistent and repeat your goal every day: I WANT TO BE DEBT FREE AND I’LL ACHIEVE IT!