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Fed up with debt? Between credit cards, car payments, and other loans, debt can feel crushing. If you want to approach it more positively—and pay it off more quickly—here are four essential tips:

1. Prioritize by rate

If possible, you should try to pay off your debt with the highest interest rate first. This will have the greatest financial impact on you over time, and interest rates vary greatly from loan to loan. For instance, credit cards often have particularly high rates, while student loans can be pretty affordable.

2. Always make your minimum payments

On the flip side, paying off the highest debt first should never be done at the expense of paying your other minimum payments. If you don’t cover these, you’ll get penalties—and maybe even higher rates—on your other debts.

3. Establish small rewards

Create a positive feedback loop in your head by rewarding yourself when you do pay off a debt. Ideally, pick something inexpensive but fun, such as going out for ice cream or to the movies.

4. Review existing expenses

Do your best to reduce your existing expenses, comforting yourself that this is just a temporary move until your debts are paid. Try to especially decrease spending in more non-essential categories, such as eating out or paying for entertainment subscriptions.