If you want to get back your life... you must have no life for how many months. You must live in sacrifices and delayed gratification.
If you're in a huge debt... don't buy expensive things for how many months, don't buy useless things. No restaurants, no vacation, no delicious foods, no concerts, no buying of sale items. Basically there is no life. It can be years but the good thing is... after you pay all of your debts... you will feel good, you will feel free. Being in huge debt is really suffocating, the banks are calling you, your friends whom you have debts are hating you. You're dying little by little, you can't even afford to breathe. Your air is always suffocated. It feels like you don't have a freedom anymore.
If you want to have your life back... you need to suffer, you need to do a lot of sacrifices, it's hard but you will get there slowly if you're committed.
That's how to get out of the rut you are in... you need to feel the pain, you need to suffer because that is the punishment for being irresponsible.
You have to get your head right, why will you eat in a restaurant even if it is just fast food if you have a lot of debts waiting to get paid? Stop taking selfies to impress people who blessed you are because the truth is you're not. People will even hate you more if they see you having a good time and yet you have debts to pay.
Abstain from spending, abstain from buying useless things that you will only love for a few days.
Being debt free is easy, you just need to wait, work hard and pay them all little by little. Paying them small amounts is better than not paying at all, just be patient... you will be free from debts in just a matter of time.
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