Stop Spending on Unimportant Things First of all, figure out what’s important to you. Then stop spending money on everything else. This requires that you determine your own values and priorities. Once you decide what’s important to you, and you
When You’re Rewarding Yourself Did you just pay off a large loan? Did you finally get that promotion at work? It’s okay to treat ourselves for working hard and a job well done—but the trick is that you must have
“Debt.” It’s a financial four-letter word that you’d rather not talk about. But you know it’s time to face the music and get real with your money. That means doing something about your debt. Hey, I get it. Life is
Start with a Wishlist If you’re not sure where to start, here’s what you should do: Start with a wishlist. What would you really love to see happen in your financial life? Do you have debt to pay off? A
Pithy sayings about a dollar a day and soundbytes of financial wisdom feel completely useless when you’ve been hit with financial hardship. The idea of an emergency fund seems laughable because you feel as if you’re living in an emergency
Now that you’ve acknowledged your fear, allow it to be relieved by the fact that this is not your debt. Of course, when you love someone and see a future with that person, you may feel like it is your
Stress and worry begin in the mind as troubling thoughts, but they can quickly snowball into physical ailments such as headaches, high blood pressure, and heart problems. In fact, according to the American Institute of Stress, as many as 90%
When we don’t feel equipped to shift our thinking, we tend to immediately turn to our environment for comfort. This usually comes in short-lived bouts of instant gratification – spending money on something that will make you feel better. Or
The hardest part of getting out of debt is not the math. For many of us, it’s not even the money. No, for most people the hardest part is the perseverance required to become debt free. Here are the top
It is important to remind yourself that you will not always be in this financial situation. If you are unemployed or underemployed, avoid the trap of falling into binges of Seinfeld reruns with scoops of ice-cream on top. You need
