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Once you pay off the high interest one move on to the next till you finish off By Tarie Manyonga Statistics show that most Africans are heavily in consumer debt, due to the choices taken by individuals in their day to day lives which leads to lifestyle inflation. I have designed this 4- step Debt Approach which can help individuals to understand why they are in debt and how they can work towards clearing it off. Step 1 – What Happened to be in debt The only way to financial freedom is asking yourself difficult questions like What Happened in the first place for one to be in debt. If this question is not answered you are bound to repeat the same mistakes.