I read from somewhere that money is the worst thing you can worry about. And it’s probably true, because the lack of it is enough to render people insomniac, restless, and sometimes even a little crazy. To pay off all your debts, you’ll have to do more than sticking due date post-its on your ref. Paying off debt requires your full commitment. Take a look at these pointers and let them help you out.

Keep that card in your wallet, or don’t bring it at all. It’s the card that probably got you paying heaps every month. With all the interest these banks get from your purchases, you might want to think twice before swiping ever again. Use your cards for emergencies only.

Use your savings to pay off your debt The feeling of having a few money in the bank gives you a sense of security. But this kind of security is only fake if you have debts despite your savings. Why not cash it out, and pay off your debt so that you’ll get a clean slate? Having zero debt is better than having savings with huge loans.

If you fail to get the money before the due date, think about borrowing money from family of your closest friends. Although getting into a new debt to pay an old one is not the most ideal strategy, these people could be more lenient on your due dates and interest rates. The more important thing is to pay off the strictest lender first.

Restructure your lifestyle. If you’re living from paycheck to paycheck and nothing is ever left for savings, chances are you can’t allocate anything for debt payment. If this is how you’re living, look at it from a different angle. You should be willing to make some sacrifices and this means cutting your meal allowances and canceling the happy hours.