Credit Score Credit Counseling

1. Payoff the Debts - The most basic, yet most ignored debt management tip. Paying off debts is like eating a whole pizza by yourself, but for your wallet.

Don't be like the guy who orders 5 large pepperoni pizzas because you think you can just 'pay it off' later. Pay it off now, and save yourself the embarrassment of a pizza-fueled existential crisis.

2. Debt Sniping - The art of making your debt collectors think you're a ninja.

Call them, but don't answer. Let them leave messages, but don't return calls. It's like playing a game of 'debt-telephone' and you're the champion.

3. Debt Avalanche - When in doubt, just pretend you're a financial expert.

Explain that you're experiencing a 'debt-avalanche' and that it's a real thing. They'll be like, 'Oh, yeah, I've heard of that!' and you can just waltz your way to debt freedom.

4. Debt Ninja - Stealthily cut expenses to zero.

Sneak up on your expenses like a ninja, and slice them down with your razor-sharp budgeting skills.

5. Debt Bomb - When all else fails, just pretend you're a genius.

Explain that you're using an 'unconventional' debt repayment method, and they'll be like, 'Oh, yeah, I've heard of that!' and you can just... well, you'll figure it out.