Heather can implement several strategies to help pay off her debt more efficiently:
1. **Create a Budget:** Heather should start by creating a detailed budget that outlines her income, expenses, and debt obligations. By tracking her finances, she can identify areas where she can cut back on spending to allocate more money towards debt repayment.
2. **Prioritize High-Interest Debt:** Heather should focus on paying off debts with the highest interest rates first. By tackling high-interest debt, she can reduce the amount of interest accruing over time, ultimately saving money in the long run.
3. **Increase Income or Reduce Expenses:** Heather can consider ways to increase her income, such as taking on a part-time job or selling items she no longer needs. Additionally, she can cut back on non-essential expenses like dining out or subscription services to free up more money for debt repayment.
