If debt free living were easy, wouldn't everyone do it? Of course they would, but debt free living is anything but easy. It takes the one thing that more and more people lack when it comes to money – discipline. Discipline not to spend more than you should. Discipline to make those extra mortgage payments. Discipline to do everything that goes against what we all want to do – spend more on things we need less.
Anyone can train themselves in being more disciplined with their money. It just is not easy. However, if you have a goal of debt free living and you want to get there as fast as possible, this discipline is something you will need to gain first.
For help moving towards debt free living through discipline, first, get an accurate account of where you are currently undisciplined. Go through your expenses with a fine-toothed comb. See where you can cut expenses and move that money towards paying off debt. The more you can save, the more you can invest in yourself by getting out of debt and staying debt free.
Building this type of discipline can be intimidating to some people. Some simply cannot go without their double frap in the morning. If they only sat down and saw that the $5 they spend every morning equals their phone bill and cable bill put together, they would see that discipline doesn't have to be so hard. The only path towards debt free living starts with this type of discipline so start on your path today.
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|Jennifer Mathes, Ph.D.|