If you’re daydreaming about a flashy — or even just functional — new car, you are probably also daydreaming about not having to pay for it. Maybe you could win a car from Oprah, or on “The Price is Right.” Or maybe you could at least get a gently-used hand-me-down from a friend or family member.

So you’re not independently wealthy? You don’t have tens or hundreds of thousands of dollars laying around for that flashy new car or home of your own? Welcome to the club — the “I need a loan to make a big purchase” club.

We’d all like to be debt-free, but for most of us that would take a very long time and a lot of discipline. But even while we continue to diligently pay the bills each month, we can change the way we pay off each of our different debts.