Paying off debt requires commitment, patience and a little bit of grace. You’ll need to check in with yourself, carefully review your current finances and utilize the strategies and tools you have at your disposal.

With this information, you can create and implement a successful debt repayment strategy to help you pay debt off and build healthy financial habits along the way. How to pay off debt: Steps to take now

Starting your debt payoff journey can feel intimidating and overwhelming, especially if you only look at your total debt. Taking it step-by-step can ease those feelings.

“Stop looking at the total number every day,” says Bernadette Joy , Bankrate expert contributor and founder of Crush Your Money Goals. “That’s like staring at the top of a mountain instead of taking the firs

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