Make a specific goal on how much debt you want to get rid of this year. If possible, you should try to get completely out of debt, but depending on your income and the amount of debt you currently have, you may not be able to do that.
Set a goal of how much debt you want to pay off this year, then work backward and calculate how much money you’ll need to put toward that debt each month. If you follow a debt payment plan, you will speed up how quickly you can pay off your debt.