Becoming debt free is, for many people in the country, virtually a dream. It’s basically impossible if we’re barely living from paycheck to paycheck, and the debts we accumulate aren’t always unavoidable. However, there are definitely a few things that we can do as individuals to reduce our debts and eventually become debt-free.

In fact, it’s a life goal for many people to just get rid of their debts. Once that happens, they can finally enjoy a life of financial security and be more free with their hard-earned money. So without further ado, let’s take a look at some simple life changes you can make to become debt-free.

Start taking responsibility for your finances

One of the things you have to learn early is that you need to start taking responsibility for your finances.

This all starts by actually looking at your incoming and outgoing money and creating a budget. Start by looking at what you spend your money on, where you can cut down, and also look at how much you’re paying in subscription fees. A lot of people bleed money because they’re not aware of how much they’re actually spending, and this can be an incredibly dangerous habit.

Aim to actually pay off your debt

Lots of people will see the long debt repayment terms and just let it go. They’ll wait several years just to pay off something, and in that time, they’ll have paid a huge amount of interest that could’ve been avoided.

So aim to actively pay off your debt. Reduce expenses from other places (such as entertainment costs) and put all of that into your debt.

This sounds crazy to some people, but did you know that Americans would prioritize debt repayment if they won the lottery? Everyone has a desire to pay off their debts because nobody likes to be nagged constantly about money they owe. So if you ever come across a bit of extra money while budgeting, put it towards clearing the debt so you can feel that financial freedom as soon as possible.

Try to earn a bit more money

Earning a bit more money isn’t really a “simple” life change, we get it, but there are plenty of ways that you can do this if you really think about it.

Start thinking about selling some stuff you don’t need. Extra clothes, games, unwanted toys–these are things that can be sold to both generate some extra profit and also declutter your house.

Next, think about passive income, business ideas, working from home, and so on. There are lots of ways to adapt your skills and even indulge in your hobbies while also making a bit of cash on the side. Everything from starting a side business to selling lessons and services can make a bit of extra money.

It may seem like hard work to develop a hustling lifestyle, but you’ll be surprised at how focused it can make you and how much extra you could be earning to finally pay off that debt. These changes take time, but all you have to do is approach it slowly.