These 3 common myths about being in debt could be stopping you from paying it off.
"You can totally get peace and relief by getting your debt to a manageable level, getting the terms better" Wells says, noting that refinancing debt can lower your APR and help you save money over time.Wells did a lot of drastic things to pay off her credit cards, such as having a daily $5 budget as she chipped away at her debt for a year — but she'll never go back to that way of life.
What's considered "manageable" differs for everyone and it depends on the type of debt you have and the amount outstanding. You might pay off your largest-balance credit card first or you tackle the debt with the highest interest. Make your debt load smaller, however you can, so you feel more in control."At this point, if you don't have some type of debt you're a unicorn," Wells says. "Everyone has something.
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