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
The extent to which we will make changes in our lives is often capped by what we think of as “normal.” If the majority of our friends and family carry a large amount of debt and have an otherwise dismal
Despite any contrary advice, turning down an offer involves more than simply telling another person “no.” There are egos and emotions involved. Social pressure makes turning down opportunities the exception rather than the rule. So what’s there to do but
Hostel international card. This is a good investment for anyone planning to stay at multiple hostels or other hostel-type lodging throughout their travels. There’s a small membership fee upfront, but the discounts quickly make up for the initial cost. Ten
It’s always easy to judge yesterday’s mistakes with the wisdom and understanding you have today. In truth, the mere fact that you can recognize past mistakes means that you learned what you were supposed to learn from those situations and
1) Real American problems. Roughly two-thirds of American households carry credit card debt and two-thirds of American adults are overweight or obese. Chances are that you or someone you know is struggling with with at least one of these issues.
1. Re-Negotiate Service Contracts Are you overpaying for your cable, cell phone, pest control or any other recurring service? Reach out to the service provider to inquire about more cost-efficient options that may be available to you. If the customer
1: Get financially educated. Even if you already have your college degree in hand, you likely gained very little financial knowledge from all of those textbooks you spent so many hours poring over. The key is to learn about things
1. Freeze the Cards While this technically isn’t a way to get out of the hole, it’s the first step towards eliminating credit card debt. Reasoning: if you continue to swipe away, any payments made will only offset the balance
