Make a realistic budget and stick to it
Creating a budget can help you understand where your money is going and make sure you're setting aside enough to cover your repayments and everyday expenses. By planning your spending ahead of time, you may be able to identify areas where you can cut back, avoid relying on credit, and make extra payments towards your balance. Sticking to a budget can help you stay in control of your finances and reduce the amount of interest you pay over time.