5. How to get out of debt. Being in debt is a reality for many people, but it is possible to get out of this situation with discipline and organization. The first step is to list all debts, including amounts, interest and deadlines. This makes it easier to understand the size of the problem and to outline a strategy to solve it. After that, it is important to prioritize debts with higher interest, such as credit card and special check. These interest rates can grow rapidly and greatly increase the total debt value. Another strategy is to negotiate with creditors. Many institutions offer discounts or instalments for those who want to pay off their to-dos. Furthermore, it is essential to avoid new debts until the problem is resolved. Controlling spending and focusing on paying debts helps to regain financial health.