Ready to kill your debt?  Good news – it’s very much like bagging a trophy buck. You’ll feel just as good cleaning up your debt as you will preparing your venison and mounting the antlers.  Follow these 5 steps to become debt free, and enjoy the rewards.

Step 1: Scout Ahead To Find The Biggest Bucks

Experienced hunters spend more time scouting, so they know where the biggest bucks are.  Not only preseason, but also year after year.  They learn where the grand dads frequent, what their habits are. Big, smart bucks got that way for a reason.  It’ll take time and patience to not only locate your target, but also know his routes and habits to position yourself for a successful kill.

Same thing goes for killing your debt.  You need to find the biggest bucks by knowing which credit cards are  highest interest rates.  Kill those first (pay them down and off but don’t close them to boost your credit score). And, know what your largest expenses are so you can kill those too.  For example, kill your cable bill by switching to online streaming services – inexpensive but getting better every year.  Kill any expenses more than your income.  Speaking of which, find bigger bucks by increasing your income – ask for a raise, change jobs, work a side gig.   If you’re serious about how to get rid of debt, your income must be big enough to exceed your expenses.  Very simply, this is the best way to get out of debt.

Step 2: Use The Right Gear & Tools

Great deer hunters use quality gear.  It all contributes to  the point of sighting your trophy and making the kill.  Great boots and camo keep you warm, concealed, and de-scented.  A well constructed blind or stand keeps you hidden while still allowing an accurate shot.

Likewise, don’t hesitate to pick the best gear and tools to kill your debt.  Especially if you are drowning in debt.  Balance transfer credit cards with 0% interest, debt consolidation loans, and credit / debt counseling will accelerate your success.  Even look for government loans to get out of debt fast.  How to pay off debt fast?  You choose the best gear for the hunt, so be sure you do the same when tracking down your debt.

Step 3: Change The Habits That Scare Off Deer

Let’s face it, when that white tail is up, the deer is gone. Old habits die hard, and it’s usually the old habits that are keeping you from success.  You’ve probably scared off a few trophies already by moving at the wrong moment, making more noise than you should, placing your stand where it’s too visible, forgetting to de-scent, announcing your presence by walking through prime territory too late in the morning, or losing your steady right at the time to shoot.  You know better than we do why the big one ran off.  Paying attention to details and changing your bad habits is critical to bagging the big one.

We have news for you.  The same is true for getting out of debt.  You’ve got to stop spending more than you bring in.  Just do it, break the habit.  You won’t hesitate to track a buck down to the slightest bent branch or drop of blood.  Do the same for your expenses – track exactly what you spend, how you spend it, and when.  Are you serious about how to get out of debt?  Until you improve your tracking skills, you aren’t going to get out of debt.  This is how to pay off debt quickly.

Step 4: Take Careful Aim For A Clean Kill

The buck stops, seemingly looking right at you. Careful not to make a sound, you slowly take aim.  Everything leading up to this moment flashes through your mind – pre-season outing, new hunting location, new gear, better tactics to outsmart the granddaddy buck of them all.

Now all you have to do is hit the vital zone, and the hunt will be over.

To make clean kill of your debt, you want to know  exactly where the vital zone is.  Especially if you want to pay off debt fast.  Consult your credit report, so you know exactly what’s holding you back. Reducing debt is one thing, but you want to do it in a way that is targeted.   Most credit reports now offer an analysis that helps you know the fastest way to improve your credit score. Pay down and pay off your debt by hitting it right in the vitals.  Just like you practice at the range with a target, make targeted moves to improve your situation.

Step 5: Prepare Your Venison And Enjoy The Roast

Congratulations, the rack is on the wall and the venison on the grill! All of your hard work paid off. It didn’t take buying expensive gear as much as figuring out the right patient approach to finding and bagging your biggest buck ever.

Likewise, consider your low debt and improved credit rating like a 200+ scored rack on the wall. And enjoy the fruits of your labor – lower interest on loans, easier to get credit for that new truck or home you’ve got your eye on. Not to mention more money (that you didn’t have to spend on interest) for that even better piece of gear….

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