Family Life

Make 2019 The Year That You Break Free From Your Debts

This post may contain affiliate links and/or it may have been sponsored content. Please view our policy page for more details.

When you’ve got a large amount of debt to pay off, it can seem almost impossible that you will ever be able to clear it. However, what it’s important to realize is that it’s not impossible, it might take time, but it is doable, it’s just a case of being willing to make some changes, that’s all.

Reducing a large amount of debt may seem impossible, but it can be done. Here are some tips to help you get started down the path to break free from your debts.
Photo by Michael Longmire on Unsplash

Tot up what you owe

The first step that you need to take is to tot up what you owe. Sit down, go through your bank account overdrafts, unpaid bills, and so on, and work out what your overall amount of debt is. It might be scary doing this, but if you are going to get those debts paid off, you need to know how much you owe. Whatever the overall figure is, don’t panic. The most important thing is not to bury your head in the sand. Reducing a large amount of debt may seem impossible, but it can be done. Here are some tips to help you get started down the path to break free from your debts.

Look into debt management plans.

When it comes to clearing your debts, it’s important to consider getting debt advice from money experts, so that you can work out the best way to go about clearing your debts. These types of plans can be useful as they let you know where you stand financially, ensuring that you always know what you need to pay when this makes keeping track of things easier. Sometimes, if things are really bad, you might need to consider advice from someone like Rashad Blossom.


A simple way to ensure that you have more money left over each month is to tighten your purse strings a little. Aim to find new ways to cut costs so that you have more money to put into paying off your debts each month. From now on, only buy what you need and nothing else. Write a list of what you spend each month and use it work out where you could be reducing costs. Perhaps instead of driving the kids to school, you could be walking, for instance. Or, maybe you and your partner could car share to work, instead of taking two cars.


Talking about cutting costs, it’s a good idea to work out a monthly spending budget so that you know what you have each month to spend. Calculate yours’ and your partner’s incomings and then deduct any outgoings from them, so that you know what your monthly budget needs to be. As well as setting money aside for rent or mortgage payments, bills, and gas money for your car, don’t forget to calculate what you need to spend on food and payments for school clubs, clothes, etc. You will find that once you have a budget in place and know what you can spend on each thing, you will find it easier to save money to clear your debts.

Being in debt is a nightmare, especially when you’ve got lots of other things to pay for and a family to look after. However, it’s important to stay positive about things and understand that although it will take time to clear your debts, it is doable. If you want to make 2019 the year that you break free from your debts, the tips and pieces of advice above can help.


Which of these five hobbies to improve your life do you do? Hobbies are well worth doing in one's life for many reasons.
Five Hobbies To Improve Your Quality Of Life

Is it time to get a new hobby but you're not...

Dealing with a difficult birth is never easy. Here are some powerful tips on how to move on after a difficult birth.
How to Move on After a Difficult Birth

Unfortunately, not every birth goes as planned. Some are difficult or...

Spending time with the family is quite important. Here are five ideas for fun family activities. Which one are you using?
Ideas For Fun Family Activities

Spending time together as a family is always a worthwhile endeavor,...

Since we have plenty of new gadgets for skin care on the market, I figured it may be helpful to have tips for proper use of gadgets for skin care. Which ones are you using?
Tips On The Proper Use Of Gadgets For Skin Care

Do you know that skin care is more than cleaning your...

Now is the time to start doing your Christmas shopping in order to manage your financial funds better.You can take advantage of superb deals!
Why You Should Start Your Christmas Shopping Now!

It barely feels like seconds ago that the Christmas tree was...

Household Expenses You Should Never Cut Corners On

We all love some great money saving tips, and once you’ve...

Taking the time to make sensible financial decisions in your life this year will benefit you now and in your future. Learn these tips today!
Make Sensible Financial Decisions in Your Life This Year

We could all stand to make better financial decisions and get...

Strains Of Life And How You Can Overcome Them

Life is one big rollercoaster isn’t it? When you are younger...

You won't be able to use R22 refrigerant anymore in your HVAC units. Does this mean replacing your air conditioning unit, too?
The Phasing Out of R22 Refrigerant: 3 Things You Need to Know

If you have an older air conditioning unit, chances are good...

Bathroom remodeling can come with many unexpected things. Here are four bathroom remodel no-nos to avoid doing.
4 Bathroom Remodel No-Nos

There are some areas in the home where we rarely venture,...

With the busy lives, we all keep, it's sometimes best to outsource tasks. These are home maintenance jobs you shouldn't feel bad outsourcing.
Home Maintenance Jobs You Shouldn’t Feel Bad Outsourcing

When your home is in a perpetual state of chaos, you...

Be sure that you aren't missing these areas from your spring cleaning routine. Are you hitting all of these spots while you're cleaning?
Are You Missing These Areas from Your Spring Cleaning Routine?

If you would like to make the most out of your...

Just because your a mother doesn't mean you have to give up your passions. Here's how to pursue your own passions alongside motherhood.
How To Pursue Your Own Passions Alongside Motherhood

Motherhood is one of the greatest gifts in the world, but...

Having a home office can truly help you to stay productive and help you separate home life from work life. Here are some tips for how to set up your home office.
How to Set Up Your Home Office

Are you thinking about starting to work from home? There are...

You can be a professional transcriber and work your hours from the comfort of your home. Learn more here!
Become a Professional Transcriber and Work Your Hours

For five years straight I wandered the world as a full...

Marketing is a must for any business. Here is a unique method to promoting your home-based business without breaking the bank.
Promoting Your Home-Based Business Without Breaking the Bank

While working from home can be great, there are downsides too,...

Get your family ready to watch the UGLYDOLLS family movie this weekend. Learn more about it here!
UGLYDOLLS Family Movie May Change Society

We live in a society where a person’s appearance is one...

DUMBO movie is coming to life. Learn more about this movie and a bit of information about myself here.
DUMBO New Edition Releases Soon

One of my favorite movies growing up was DUMBO. I was...

Learn more about the new Nancy Drew and the Hidden Staircase movie and enter to win your own copy. This wholesome family movie will be well liked by all.
Nancy Drew and The Hidden Staircase Review and Giveaway

Warner Bros. Home Entertainment provided me with a free copy of...