1. Make a detailed debt repayment plan: Making a feasible debt repayment plan is an important first step. This includes listing all debts, the interest rate and the minimum repayment amount of each debt. Determine the amount that can be used to pay off debts every month by budgeting.

2. Cut expenses: Review personal expenses and find out what can be cut or cancelled. For example, cancel unnecessary subscription services, reduce the number of meals in restaurants, and buy cheaper goods. Use the saved funds to pay off debts.

3. Seek opportunities to increase income: increase income by looking for sideline or part-time jobs. This helps to increase the amount available for debt repayment. At the same time, learning new skills or further study may help to get better job opportunities and increase the main source of income.

4. Negotiation with creditors: communicate directly with creditors, explain their difficulties, and try to reach an agreement on debt restructuring or deferred payment. Some creditors may consider reducing some debts or lowering interest rates to help you repay your debts more easily.

5. Borrow and consume cautiously: avoid increasing debt again. Ensure that only the necessary amount is borrowed for consumption in future financial planning, and make a sustainable repayment plan.

Summary:

Ordinary people with debts of one million can go ashore by making debt repayment plans, cutting expenses, increasing income, negotiating with creditors, and cautiously borrowing and spending. This requires patience and perseverance, but through proper financial management, it is possible to get rid of debt.

Extended data:

-When dealing with liabilities, consulting financial experts or seeking the help of credit reference agencies may provide more specific and personalized advice.

-Reading books on financial management and debt management or attending relevant financial training courses can also improve financial knowledge and skills.