Even the people who live their lives completely on debt do not like to talk about debt, they will rather prefer to keep it to themselves and try everything within their capacity to avoid talking about it. Our fear will always remain if we refuse to face them and take necessary actions against them and that is a good example of what it looks like whenever we refuse to face the situation and conditions of the debt we find ourselves in.
If we must get a way to pay off our debt then it must begin with us telling ourselves the truth about our financial situation, we have to take a clear picture of our financial stand and tell ourselves the truth about the amount of debt that we owe. Getting a list of the entire debt owed and listing out those debt according to their level of interest is a good way to start, this will provide a very clear picture of what you are working with and how prepared you must be in order to get rid of the debts you owe.
Working on paying back the debts according to the interest rate associated with it will help you save more and at the end you would have tackled those debts that come with high interest rate and probably be left with only those ones that comes with low interest rate. This interest rate will save you from paying the extra charges on the other one. This method is convenient for a lot of people since the idea of having that interest amount reduce gives them the courage to continue to clear off the debt until they have nothing left to deal with.
The other method is listing out your debt according to the amount you owe, this method is also used very often and people use this method a lot because it helps them feel that they are getting out of their debt as the amount continues to decline on a regular basis, as much as the amount owed declines it often provides them with the courage to push until they are able to get all the debts cleared once and for all.
Debt as we know can be really embarrassing especially when we get it from places where they do not care about reputation or respect, debts can be highly limiting and have a strong reducing power, so it is advisable to get out of it as soon as we can before it ruins us. I do not know of any perfect way to eliminate debt, but from the listed points above you can simply choose to go with the one that works best for you and just stick with it.