You don’t have to overhaul your entire life to feel more in control of your debt. Small, doable changes add up quickly.
Here are 5 ways to make debt feel less overwhelming:
1. Track your spending for 48 hours
Not forever. Just two days. You’ll immediately notice what drains your money.
2. Stop auto-paying everything blindly
Some bills should be automated — but others deserve a second look each month.
3. Negotiate something small every 30 days
A bill, a rate, a subscription. Practicing negotiation builds confidence.
4. Separate “needs” from “defaults”
Many habits feel necessary just because we’ve always done them.
5. Talk to someone who understands debt structure
A short conversation with a consultant can reveal options you didn’t know existed.
Tiny steps → big momentum.