Why Having A Budget Is The First Step To Getting Out Of Debt
Many people constantly complain about being in debt, but when you ask: do you have a budget, do you know how much you owe, or when you suggest they cut back on expenses they look at you as if you are speaking a foreign language, or they just plain out refuse. I am always amazed at this; how can you ever get out of debt if you dont change your mindset and if you arent willing to work hard and make sacrifices? There is no quick fix or cure-all to get out of debt. It takes a long time to get in debt and you will not get out of debt overnight.
Many people do not know how to create a budget for themselves and many dont even know where to start. Luckily, I was taught at an early age how to create a budget for myself. I knew how much money I spent and how much I had left. This skill helped me when I became an adult and got into debt. How did that happen, you say? Well, although I knew how to budget my money I didnt have a clue about how credit cards worked. I thought it was free money but that is another article.
Anyway, the first step to getting out of debt is creating a budget for yourself. The basic...
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