9. Stay Busy

This might not be directly related to reducing debt but it serves one very important purpose. Staying busy will keep your head clear of rubbish thoughts, which might send you down in the dumps. If you stay idle and think only about your poor financial health, you are bound to go into depression. We all face financial problems at some point of time or the other. The deal is to stay optimistic and battle your financial woes with a clear head, realistic goals and a positive attitude. Keep the phrase ‘I Think, Therefore I Am’ in mind. If you think you will be able to improve your financial leaks, you will definitely be able to do so. If you think otherwise, then even the best of therapy will not help. So, stay positive.