Feeling burdened by debt? The good news is that a solid plan can help you take charge and pay it off sooner than expected. No matter the type of debt—credit cards, education loans, or car payments—these tips will put you back in control of your finances.

The first step is to list all your debts, from the smallest to the largest, including their respective interest rates. The snowball method, where you start with the smallest debt to gain confidence, works well for many. Alternatively, the avalanche method focuses on tackling high-interest debts first to save money tips on saving money in the long run. The method you pick matters less than your commitment to sticking with it.

Next, look for ways to free up extra money. Options include starting a side job, selling items you no longer use, or using windfalls like bonuses to pay down debt.

Be sure to explore loan consolidation or negotiating better rates to simplify and reduce payments. By staying motivated and sticking to a plan, you’ll pay off your debt more quickly and work toward achieving your financial dreams.