There are two things to pay attention to at this stage: you will need to invest in making the month-to-month loan re re payment on time, and you also want to replace the habits and circumstances that caused you to receive into financial obligation when you look at the beginning. You just paid off, you run the risk of getting back into debt if you keep using the credit cards. And also you could result in a even even worse destination than before, with just one more creditor put into your list. Dig deep and evaluate your investing practices. If you discover you’re spending a lot more than you get, create a spending plan and stay with it. Track your costs and expel the ones that aren’t necessary.