You need to inform all your family members and dependents about your debt status.
Then you will be able to take decisions with much more clarity.
Moreover, if your family members know about your debt, they will also change their spending habits and support you in your endeavour to get out of debt faster.
Consider the postage stamp: Its usefulness consists in the ability to stick to one thing till it gets there.
Similarly, you need to stick to your debt pay off plan till you get out of it.
The author is Ramalingam K, an MBA (Finance) and Certified Financial Planner. He is the Founder and Director of Holistic Investment Planners (www.holisticinvestment.in) a firm that offers Financial Planning and Wealth Management. He can be reached at email@example.com.