Getting out of debt on a low income requires more than giving up daily coffees. It requires a survival-first strategy. Step 1: Protect your income by opening a strictly salary-only account at a different bank so creditors can't auto-deduct your grocery money. Step 2: Prioritize essential living expenses (rent, utilities) over unsecured bank debts. Step 3: If you can't pay high-interest credit cards in full, do not accept abusive installment plans; let them age and negotiate a massive discount later via official settlement fairs. Step 4: Generate any small side income and save it as an emergency buffer. Step 5: Only sign debt renegotiation contracts that realistically fit your tight monthly budget, avoiding the cycle of re-defaulting.
