Step Two

1. During this step a person must try to pay off all of the debt in which has accumulated over the years.

2. In order to pay off all debt one can take the "snowball approach". This starting with the lowest bill and working one's way up to the highest bill. 

3. In the end, this approach helps you to keep motivated and it aids one in learning how to live within their means and to not have the constant pressure of needing to pay various bills.