Here are some tips to help you on your way.

Get an overview of your debt. Getting an overview is the first and most difficult step for many, the so-called 'mailbox anxiety'. Through Inkassoregisteret, we help you gather all information about your debt, how much you owe, to whom, and what interest rates apply.

The next step is to create a budget. With a budget, you can figure out how much you can pay off on your debt each month. You can, for example, use the SIFO rates to estimate how much you should spend on food and clothes per month.

Cut costs. In connection with the budget, go through your finances and see if you have the opportunity to cut costs. You can, for example, eat out less or switch to cheaper subscriptions.

Create a repayment plan. There are several ways you can use to pay off debt. One method is the 'snowball method'. Using this method, you start with the smallest debt and work your way up. An alternative method is to pay off the debt with the highest interest rate first.

Create extra income. Every extra penny you earn is an extra penny you can use on debt. Start by seeing if there's anything you can sell that you no longer use. Maybe you even have the opportunity to take on some extra hours at work.

Reward yourself along the way. It's important to celebrate the small victories. Every time you pay off a claim, you can treat yourself to something extra, as a reminder of how far you've come.