![]() ![]() I’m putting this one at the top of the list because it's that important. Use these debt-elimination tips to get the weight of those debt payments off your shoulders and out of your life for good! So, of course, I picked up some tips during our own debt-free journey that I want to share with you. Now, in my case, it took around seven years for my husband and I to pay off our debt. After you’ve saved up that first $1,000, then it’s time to attack your debt. Baby Step 1 is to save $1,000 for your starter emergency fund. With the Baby Steps, you’ll stop living paycheck to paycheck and start gaining confidence and control over your money and your future.īut before you can start paying off debt, you need a safety net (and no, I’m not talking about credit cards). This proven plan gives you a clear path so you can save for emergencies, pay off debt, and start building wealth. So, what’s the plan that helped me-and millions of other people-go from financial frustration to freedom? Dave Ramsey’s 7 Baby Steps. We were going to do whatever it took to get rid of our debt and get our lives back!Īnd guess what? You can do it too! Every day, I see folks who have gone from being crushed by a mountain of debt to standing on top of it, shouting in victory ( literally). But me and my husband, Sam, were able to pay off $460,000 of debt (yep, you read that right) only because we decided enough was enough. I’ve been right where you are-in debt and desperate for a way out. But if you really want to get out of debt, you’ve got to stop doing what you’ve always done and embrace the changes that will get you where you want to go.Ĭhange your mindset. Ooh, did I hit a nerve? For a lot of you, this will probably require a big lifestyle shift-and a big mindset shift. If you want something different, you have to do something different. Those habits have gotten you where you are now, and they won’t help you get out. I’m talking no more swiping that credit card or taking out personal loans for things you can’t pay cash for. You can’t solve a problem while continuing to create it. Matter of fact, go ahead and decide that right now. You have to draw a line in the sand and decide that you’re done with debt. But if you choose to believe it, your behavior will reflect that belief! So if you don’t believe you can be debt-free, you won’t be. Because here’s the truth: You behave like you believe. Before I jump into some practical tips to pay off your debt, there’s one thing you need to get right first-your mindset. ![]()
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