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(PIX11)– Nicole Lapin, financial expert and author of “Rich Bitch,” shares tips to help you clear your of debt with reasonable timeline so you can still have a somewhat regular life.

Paying Down Debt: 10 Step Plan

  1. Prioritize: Pay down debt with the highest interest rate first
  2. Set a schedule: Make a timetable to pay it off and don’t drag it out
  3. Get your rates down: Call your credit card company and ask for a lower APR
  4. Pull it altogether: Consolidate your debt if you can
  5. Get Methodical: Create a realistic payment plan
  6. Give extra love: Try to increase your contribution
  7. Don’t cut up your credit cards: Closing an account may hurt your credit score
  8. Ask for help if you need it: Meet with a credit counselor
  9. Don’t forget the pain: Remember what it took to get debt free or be doomed to repeat it
  10. Keep up the routine: Keep that auto-deposit in place to meet your endgame goals