I was reminded at the end of April that sometimes you have to quiet the voices when paying down your debt! Even when you are on track and paying down your debt, the voice of doubt still manages to creep in. You feel like there HAS TO BE something else you could be doing. When your debt total is large like mine, you can get depressed. You begin to feel hopeless. This is why you should have someone you check in with to keep you accountable. I delayed sharing my numbers last month after having a discussion with my financial advisor, Annette. She reminded me that a person paying down debt always has a list of options. Read on for that list.