Debt is a serious matter, no matter the amount! Don't mess around with debt. It's not something to be swept under the rug.

If you have the means to pay it off, do so as soon as possible. Don't let the allure of a fancy lifestyle blind you to the reality of your financial situation.

In the end, you'll only be doing yourself a disservice.

Let's face it - the self-help industry is saturated with quick-fix solutions that promise to solve all our problems. But as someone who has tried and tested many of these methods, I can confidently say that they are nothing more than a rabbit hole of illusions.

So what's the alternative?