Being in debt is a miserable and powerless state that nobody should have. The US is considered the credit nation therefore it would be a miracle if not most people had debts. Not one debt but several from all sources. Starting with mortgage and ending with credit card loans. The question is how to eliminate debt once and for all. First, you need to consolidate your debt. Start paying one single loan instead of many different ones. Take a bank loan, a credit card loan or a car title loan in Sacramento and pay off your loans. Next, make new spending habits. Eliminate the money drainer activities from your life. Finally, automate your payments. Each beginning of the month pay yourself first about 10% of your net income then put aside money in your emergency fund. Only after these pay all your bills and groceries. This way you’ll make sure that your pension years are smooth.