2. Communicate with Others

A problem shared is a problem halved, and while talking to someone about your debts might not actually half your debts, it will always help you feel better and more able to cope. It is easier to meet your obligations and reach your goals if you share them with someone else. You can even have someone you know act as an instigator – someone who enforces the rules, helps you stick to your obligations, and ultimately keeps you on your toes.