At the start of the new year, many people feel motivated to get out of debt. To stay motivated, it is important to have a plan. This plan should be SMART (Specific, Measurable, Attainable, Realistic, and Timely). First, it is important to get a clear picture of where you are with your debt. Then, commit to not taking on more debt and create a clear plan to pay down your debt. This plan should focus on the lowest balance card first and keep a consistent payment amount. Finally, having an accountability partner can help you stay on track with your plan.