The 7 best ways to get out of debt starting today, according to financial planners

It's never too late to start paying off your debts.

Financial planners suggest starting by listing all your debts and interest rates, and creating a budget to control your spending and figure out where you can find more money to put toward your debt.

Once you've done that, you can consider options like debt consolidation and working with a professional.

Need help getting out of debt？ SmartAsset's free tool can find a licensed financial adviser near you »

Paying off debt isn't easy. But with the right tools and knowledge, it can be a whole lot easier.

And when it comes to paying off debt, there's plenty you can do with the money you already have and the resources available. Whether you're working with $20,000 of debt or $2,000 of debt, financial planners say there are several things you can do starting today to work towards paying it off.

Here's where to start: