1. Create a debt payoff strategy.
2. Pay off the most expensive debt first.
3. Lower your interest rate.
4. Use annual budget data to plan against pitfalls.
5. Stop creating new debt.
6. Allocate your holiday bonus.
7. Pay more than the minimum.
Read the details from Hitha Prabhakar: http://money.usnews.com/money/blogs/my-money/2014/01/16/7-easy-steps-to-pay-off-debt