Reaching the end of the year without debt is possible. Here are 7 ways to do it. Posted byMiio November 22, 2021 Leave a comment on Reaching the end of the year without debt is possible. Here are 7 ways to do it. Having money in your hands can be tempting to spend, but if you have already done the previous steps you can make a smart use and allocate at least 10% of this income for savings.