Having debts can surely be a heavy burden for everyone. During this time of crisis more than the normal amount of people are getting deeper into debts and are finding it hard to look for solutions and ways to clear or at least make their debts manageable.
Having no debts or manageable debts is essential to your peace of mind and happiness. Some people though in tough times give up trying to clear their debts. Which is quite understandable but definitely not the route you should take. It all starts with making the resolutionn to get out of debt and stay out of it.
Motivate yourself to get out of debt. Think of the cons of staying in debt. One, having debts means you are not free. Having debts will stop you from doing things that you enjoy. Once you decide to get out of debt, then make a commitment to do it and stay out of debt.
If you have the knowhow you can then get started and get yourself out of debt. However, if you don't have the handle of your finances, then you can get debt and finance advices, plus if you have debts reaching a certain amounts, creditors usually accept IVA which is a legally binding agreement between you and your creditors especially if you are in a circumstance where you don't have precise source to pay all your debts.
Once you get out of debt, then work on staying out of it. It may be hard but it can be done. Some needs a serious lifestyle change but essentially you have to make a habit of saving money and practicing self-control. Especially if you have a family or planning to have one, staying out of debt is definitely wise.