I gathered a bit of information as a result of friends opting in to get out of debt. When you're in debt, you just want it to be over already. But I can say that there are no shortcuts. This pursuit will take sacrifices, wisdom, patience, confidence and discipline. I've outlined items that I've used and highly endorse these techniques, apps, books and podcasts for building knowledge and motivation during the process.  Using these spreadsheets can help you to keep track of your debts and help you to get out of...