5 TIPS YOUNG COUPLES CAN APPLY TO PAY OFF DEBTS EASILY Being in debt can be such an inconvenience. My colleague at work is so deep in debt that he does some strange things. Like missing work a week into the new month to avoid being found 'on seat' during working hours. He follows this up by being unreachable via phone. All in a bid to avoid his creditors. He is not alone in this behavior. There are many people like this. This doesn't have to be your story Here are 5 tips you can apply to be debt-free in six months or less. DEBT FREE TIP 1: Make a budget Make a list of all your sources of spending and all your sources of income. All means all. Airtime recharge, Sunday service offering, a quick trip to the market to buy some salt, a quick snack here and there. a haircut etc. All expenses should be accounted for. You can better organise your expsnes by spliting it into discretionary and non-discretionary expenses. Non-discretionary expenses are expenses that you know