“I want to be DEBT FREE by the end of this year. How can I do that?” 

 
Step 1: Assess your Financial Standing

Start by reviewing your income, expenses, and existing debts. Look at your outstanding debts including the interest rates attached. Putting this information into an easy-to-understand spreadsheet is a great way to see all of your finances at once. 

Step 2: Make a Budget

Create a budget that prioritizes the essentials. Look for areas of improvement within that budget. Make sure your budget is realistic and will work for your specific needs and habits. Separate your needs from your wants to see what you can cut back on if needed.  

Step 3: Explore your Options  

Now you can determine a few cost-effective solutions that align with your financial goals. You might even explore options like a personal loan or balance transfer card to consolidate any high-interest or outstanding debts. 

Using these tips are a sure-fire way to begin growing any of your finances while shrinking your debts!