Every new year is the same – I look back over the past year, think of my worst habits, and try to get rid of them the next year.

Last year, it was to stop overeating and start going to the gym more. Surprisingly, I succeeded at both with a little hard work - I've stopped snacking all the time and started fitting the gym into my schedule.

However, even though I took strides to improve my health, I kept some of my bad habits last year and managed to fall into debt. The only reason I'm hopeful I can resolve my financial solution is Pacific Debt.

This is the year I'm going to get rid of the habits that are stopping me from living a full life. Here are three bad habits to kick in 2020:

1. Drink more water

This one is simple but so important. Last year there were so many occasions where I noticed I was feeling super dehydrated. I always used to forget to drink water, and it gave me headaches and made getting out of bed torture some days. This year, I've bought myself a stainless steel water bottle, and I plan to drink at least two of them throughout the day, every day. I've managed to improve my diet, so this is another thing I can do to keep improving my overall health.

2. Stop overspending

Last year was a tough year for me financially, and I racked up almost $15,000 in debt. This year, I plan to stop overspending and continue to pay off my debt. When I realized how much debt I was in, I panicked and thought I'd never get myself out. Thankfully, I came across a debt relief service called Pacific Debt,which helped me massively.

All I had to do was fill out a quick questionnaire online, and after I was pre-approved, I had a one-on-one consultation with a debt specialist. Once enrolled, my personal account manager contacted my creditors and negotiated the debt down on my behalf. They managed to reduce my payments by almost 50% (!!!), and I no longer feel overwhelmed by my debt. Now all of my credit card bills have been consolidated into one manageable repayment, which has made my life so much easier.

3. Stop procrastinating

I have a problem where I tend to avoid things that I don't want to deal with until the last minute. We're all guilty of it! I used to do it with my college assignments, and that's exactly what I did when I got into debt last year - avoided it. But that got me nowhere. If only I had known about Pacific Debt sooner! So this year, I'm going to learn from my mistakes and stop procrastinating and start facing things head-on.

This year my main goal is to tackle my debt, and thanks to Pacific Debt,I think it might actually be possible. I never realized that debt negotiation could reduce the amount you owe and not just the interest rates.

Pacific Debt has helped me see a finish line in paying off my debt and has allowed me to have a more positive outlook on this coming year. I'd recommend Pacific Debt to anyone who has concerns about paying off their debt.

Debt can be a huge pull on moving forward with your life, so if you have any other concerns, Pacific Debt can answer all of your questions for free. The first step in the debt settlement process is to have a free phone consultation. Give them a call at (844) 997-0475 to see how they can help you.

Every year the holidays leave most of us a little strapped for cash. But last year after Christmas, I was really struggling. My wife was let go, we had our second child, and then the water pipes burst throughout the whole house.

We had to take out a personal loan to cover all the repairs to our home, and both our credit cards were maxed out before Christmas even came. The whole year was tough, and then having the holidays at the end of the year really pushed us over.

We were only making the minimum payments on our loans and credit card debts, which made it feel like they were never decreasing. Once the New Year hit, we were drowning in debt to the point where we couldn't even make the minimum repayments. It was starting to take a toll on my marriage, so I knew I had to do something.

My wife and I sat down and vowed that our New Year's resolution was going to be to get our debt under control. We knew there had to be something out there to help people like us in unforeseen debt. We did a search, and we quickly found Pacific Debt popping up again and again.

We were drawn to all the amazing reviews and testimonials. So many people were in the same situation as us, lost in their debt and not knowing how to get out of it. We'd heard about debt consolidation and debt counseling companies before, but it always sounded too scary, and every company we contacted made it too confusing.

Pacific Debt had so many 5 stars reviews saying how easy and helpful they made the whole process of becoming debt-free. Their main objective is to reduce your debt and monthly payments, along with showing you valuable lessons on how you can live a life debt-free.

We were unsure if they would be able to help us as we had two credit cards and a personal loan to pay off. But we were getting desperate, and we promised we'd get our debt under control - this was not a resolution we were going to give up on.

The first consultation was free, so we gave it a shot, secretly hoping it would be so easy to fix all our debt problems.

Once we were on the phone, our representative couldn't have been more helpful. In the end, they gave us a few options on what we could do.

We took some time to think about them, and asked all our questions, and came to a decision together to enroll in the Pacific DebtRelief Program. It was our best option to get our debt under control in the most efficient way.

Once we enrolled, we were assigned our representative, Sarah. She took us through all the steps that we needed to do. She explained everything so clearly and was there for us every step of the way.

Anytime we had a question or needed assistance, she was there with everything we needed. Our program term for resolving our debt was just over three years and with monthly repayments that we could afford.

Pacific Debt was the best debt solutions company we could have ever found. Not only did they manage to reduce our debt and allow us to believe in and see a time when we will be debt-free, but they taught us so many lessons to make sure we never end up in this situation again.

A year into the program now, we are in a much better place financially, with much of our debt settled and some breathing room in our monthly budget!

It's all thanks to Sarah and Pacific Debt. Their program helped me and my wife keep our New Year's resolution and has inspired us to make every resolution to budget for the year ahead, with built-in finances to cover those mishaps that come out of nowhere and blindside you.

So many people, unfortunately, fall into debt and can't see a way out. But Pacific Debt is here to help you. If your New Year's resolution is a promise to yourself to get your debt under control, let Pacific Debt help. Take it from me, you won't regret it and you will definitely be able to stick to this resolution as well.

Debt can be a huge pull on moving forward with your life, so if you have any concerns, Pacific Debtwill answer all of your questions, judgement-free. The first step in the debt settlement process is the free phone consultation. Give them a call at (833) 976-1318 to see how they can help you.