first_img 20SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr If you’re one of the thousands of Americans who has committed to finally paying off your debt this year, then you might be wondering how to keep that promise to yourself. After all, people often build up debt not because they want to but because of unexpected life events, from an illness to job loss. The NerdWallet 2015 American Household Credit Card Debt Study, released last month, found that the average household has $15,355 of credit card debt (and $129,579 in total debt, including mortgages).Paying it off is not going to be easy. But it is possible. U.S. News asked four money experts to shed light on how to get it done. 1. Pick 10 micro steps “Often people get the big goals, but they don’t have micro action steps. Every macro win requires 10 micro wins,” says Lisa Nichols, life coach, TV personality and author of the new book, “Abundance Now: Amplify Your Life & Achieve Prosperity Today.” Focusing on baby steps helps prevent the paralysis that can come from feeling overwhelmed, she adds. continue reading »last_img read more