If you have debts, you will not feel well, you will be constantly worried, which is not good for your health.

Go through your whole finances in detail, be aware of how your money goes in and out, then make realistic plans to pay off your debts. It might be worth downgrading your lifestyle for a while until you have paid off your debts.

Make sure not to concentrate on the negativity of debts, the best is to organize automatic repayments of these debts and concentrate on other positive aspects of your life including how to generate more sources of income.