Debt has become so accepted by our society, that its not a big deal. Everybody has debt, well not everybody but there is a large percent of the population that is walking around with debt. The worst part about it is there is always that threat hanging over your head that you wont make a repayment.
I have spent a large part of my adult life in some form of debt or another it seems to be that I will never escape this pattern. Well that was until I stopped. I just stopped going into new debt and worked out a plan to get it all paid off.
The first step is I looked at all my debt, I wrote a list and wrote down the exact amount of each one and my fortnightly repayment. I worked out if I could afford to pay extra off one in particular, I used the snowball method to pay each one off.
I also looked at ways to save money around the house. such as only eating in season fruits and vegetables and buying meat on sale at the butchers. every dollar saved is a dollar closer to reaching the dream.
I also write a shopping list. Not a food shopping list its to actually remind me what we need instead of just trying to remember and buy a lot of things we don't need.
The most important thing is to take it step by step and remember that the things that really matter can't be bought from a store.
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