3. Start Making Extra Money

If you want to get on top off your debt, you'll also need to start earning some more money.

Although there aren't any "get rich quick" schemes, you should look into investing and growing your money. You can start with as little as $5 with Stash -- an investment app that helps you learn how to invest your money.

You could also look into taking up a side gig to bring in extra cash in your spare time.