4. Always pay your bills
Another smart strategy when it comes to being debt-free is to pay your bills on time. ALWAYS! Try not to neglect due dates. However, if it happens, then better late than never.
But, when you’re late with your payments, fees really add up, and you will find yourself in a lot of debt before one can say Jack Robinson. So, pay your bills on time, not once, not twice, but always—you will eventually see the benefits.