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WHEN YOU'RE STRUGGLING to pay off debt, it's easy to make financial mistakes that make money matters worse. The reality is, in order to create – and stick with – a strategic debt payoff plan, you'll need to know which common money pitfalls to avoid. After all, you don't want to accumulate more debt or take years to tackle paying off debt.

So, if you're trying to pay off debt, dodge common money missteps and make savvy financial decisions to reach your long-term goals.

[See: 9 Habits That Can Get You Out of a Deep Debt Hole.]

Don't delay paying off debt. "The worst thing that I see people do is throw their hands up in the air and think, 'Well, I'm already in debt. What's a little bit more?' and they go out and spend money on dinner or buy something that temporarily makes them feel better," says Mitchell Hockenbury, a certified financial planner with 1440 Financial Partners in Kansas City, Missouri.

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