Interest rates are so low at the moment, you should pay off as much of your mortgage as you can. Debt can feel oppressive, frustrating and debilitating, but quite often it isn't as bad as it seems. Mortgage for overseas. Remember that people get into debt for any number of reasons. And the interest you are paying on those debts is money you've slogged your guts out to earn. See where you can trim your budget, such as cutting down on the nights you go out, and be strict. Think about renting out a spare room to a lodger.

Slave caster of freedom out of the mouths of babes the right to life?Take the pain out of budgeting prioritising your debts. Almost everyone owes money – bills are a fact of life.

Debt can be enormously stressful, so it is important to tell someone. Top tips for getting out of debt! Bit tough getting ahead with a load of debt slowing you down?