Debt has a way of growing roots in your life. It slows your progress, drains your confidence, and steals your ability to plan ahead. Yet most people stay trapped in it for one reason: they attack it with scattered effort. A focused strategy changes everything. These three steps will help you gain control, pay off what you owe faster, and build the kind of financial stability that opens real opportunities. **1. Track Every Coin With Precision** You can’t fix what you can’t see. The moment you start tracking your spending, your financial blind spots disappear. Take one week to write down every expense—transport, snacks, subscriptions, transfers, and all the “small” things that add up. Then categorize your spending: essentials, lifestyle, debts, and waste. This simple act often reveals enough unnecessary expenses to speed up your repayment plan immediately. **2. Choose a Debt Strategy and Follow It Consistently** There are two reliable ways to eliminate debt quickly. The first is the *Snowball Method*: start with the smallest debt, clear it aggressively, then move to the next. It builds motivation as you stack wins. The alternative is the *Avalanche Method*: pay off the debt with the highest interest rate first, then the next highest, and so on. This saves you the most money in the long run. Pick the strategy that fits your personality—discipline beats theory. Consistency can cut years off your repayment timeline. **3. Use Every Extra Income Stream as a Weapon Against Debt** Every unexpected amount—bonuses, side earnings, small freelance jobs, weekend gigs, or money saved from cutting expenses—becomes a tool. Instead of letting extra income evaporate into lifestyle habits, redirect it immediately to the debt you’re targeting. These small boosts compound over time and create dramatic acceleration. Many people clear debt months or even years earlier just by funnelling small extra amounts consistently. Eliminating debt isn’t about miracles. It’s about clarity, strategy, and discipline. When you align your daily habits with your financial goals, you regain control of your life and create room for new opportunities. The path to freedom is simple—what matters is taking the first step with intention.