3. Create a plan — and stick to it
Whether you’re making a debt management plan of your own or have expert help, the last step is to work your plan. It won’t always be easy. After the initial rush of taking control, you might relax some guidelines. Or get bored with the process. You might have to make some tough choices. But take heart; this won’t last forever. Making your way out of debt takes time, discipline, and resolve. You can do it. And, if ever you feel your habits slipping, just go back to step 1 and repeat the process.