What would becoming debt free mean to you? Would it give you a sense of relief and freedom that you werent living with a figurative gun to your head? Would it mean that you could easily spend your available money on the things you wanted without guilt? Think about what becoming debt free would mean to you.
Keep that image in your head of what becoming debt free would mean, because you are about to make some hard choices. If you dont keep the freedom image, you may want to give up when it seems that you are the only person you know who is not going on a cruise this year or who doesnt upgrade to a 60 inch plasma television.
We live in a society where we buy now and pay later. Unfortunately, that has lead to a situation where everyone is in debt. The recent constriction in the credit markets has meant that people who used to be able to get easy credit are having to tighten their budgets.
Becoming debt free starts with taking stock of what you have and what you owe. Your first order of business is to start living within your means.
You must make the minimum payments on your debts as well as provide food, shelter, and clothing for your family. There are...
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