Embrace the pain of living without luxury items before the pain of staying with debt becomes too much.
It is not easy to live without the luxury items, especially when you're completely habituated with them. However, you need to endure this pain when debt has become an inseparable part of your life. Debts can ruin your mental peace and life. Harassing collection calls can be totally a nerve-racking experience. If you want to get rid of them, it's best that you start living without making useless expenses. You can curb down your expenses only when you start leading a frugal life.
It may be painful to give up all the luxury items and start living on just the bare minimums. Nonetheless, it is much better than living with debts.
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