Pay more than the minimum payment,

I agree because it will reduce the debt accumulation by some big percentage

Drop expensive habits. Smoking, alcohol, gambling

One in debt should channel these small dollar bills to paying off his debt instead of spending it on unhealthy habits

Sell everything you don’t need, and use proceeds to pay down debt.

I agree... Why keep them if you are not using them

Pick up a side job.

This advice will definitely go a long way to help clear off every debt