It can be a real challenge to get enough motivation to really get your debts paid back. A good idea is to pay back more than your monthly amount because this will save you on interest. It’s a really good idea to get online and use a good calculator designed to help you with debts. This kind of calculator will give you a good idea of the length of time that will be needed to have a debt paid off at various repayment rates. These will give you a good idea of the amount of interest you will be paying as well. Then, what you can do is take stock of all the things that you pay for each month. You might find that there are various things you can do without on a monthly basis. Maybe you don’t really need to have premium cable or something similar to that. You should be able to find things that you are willing to cut out of your budget for the month. You can then recalculate the debt repayments using the new numbers that you are able to pay on the debt. You should then find that you will be able to pay your debt off a lot quicker.