If the person has debt, get out of it, or at least manage it responsibly – that is, complying with all the  obligations pending – should be included within the financial goals and budget.

There are several ways to plan to pay off debt. many recommend start with the smallest, since in the short term it will bring an available flow of money.

When there is a very expensive debt (which has a monthly interest high), it is also recommended to start with this, since the long-term savings will be greater.

Investment debts can also be kept longer (for example, that of a car, a house or a lot). Many of them also have  lower interest rates.

Getting rid of consumer debt as soon as possible can be an excellent financial goal. These include debts with stores (for purchases of household appliances, telephones or similar) and Credit cards. These debts usually have high interest.

Note that you should always have at least one goal of saving. Otherwise, an emergency could force you into debt again and lose momentum.