Your Debt Free New Year Plan
It’s a new year and the bills might be starting to flood your mailbox from all that holiday
spending.
It’s time to step back and make some wise financial decisions.
It’s easy for anyone to freak out when they get their ‘after-holiday’ bills. If you are stressing
about those big bills in your mailbox, it might be a good time for you to turn that stress into
anger. Get mad about all that money that is going out the door.
Haven’t you had enough of being broke? Do you enjoy living paycheck to paycheck?
If you like being broke then this message is not for you. On the other hand, if you want to
begin the journey to living without debt, then today is your day!
Here is what I believe needs to be done to get a grip on your money:
spending.
It’s time to step back and make some wise financial decisions.
It’s easy for anyone to freak out when they get their ‘after-holiday’ bills. If you are stressing
about those big bills in your mailbox, it might be a good time for you to turn that stress into
anger. Get mad about all that money that is going out the door.
Haven’t you had enough of being broke? Do you enjoy living paycheck to paycheck?
If you like being broke then this message is not for you. On the other hand, if you want to
begin the journey to living without debt, then today is your day!
Here is what I believe needs to be done to get a grip on your money:
- Slow down on spending by cutting back on your lifestyle. Most of us would rather
keep the party going. However, if you don’t choose to cut back voluntarily, you might
find that you will be forced to cut back. - Communicate with all family members. If you’re single, this is simple. If your married,
both husband and wife must be on the same page. - Speaking of ‘page’, it is important that you put your plan on paper. Whether you are
single or married, putting your plan on paper keeps you focused on your goal. - If you have teenage children, make sure they understand what you are trying to do.
Let them know that money will be a little tight for now but it will only be temporary. If
your teenage children know what you are doing, they will be less prone to make
demands on you and might even be motivated to help out. - If you are getting a tax return, plan on paying off some debt and foregoing that
vacation or unnecessary large ticket expense. - Consider getting a part time job now before school lets out and the part time job
market slims down by teenagers on summer vacation. - Focus on increasing job skills to increase your value in the job market.
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Getting rid of debt will take some
sacrifice on your part and on your
family. However, if you sacrifice the
‘good stuff’ starting in 2008, can you
imagine the start of your life in 2009?
Always stay ahead of the game by
looking ahead. Make becoming debt
free a big part of your goal for 2008
so that when the New Year comes
around again, you can embrace it
with a new outlook on life. Free to do
the things that you and your family
have always wanted to do.
sacrifice on your part and on your
family. However, if you sacrifice the
‘good stuff’ starting in 2008, can you
imagine the start of your life in 2009?
Always stay ahead of the game by
looking ahead. Make becoming debt
free a big part of your goal for 2008
so that when the New Year comes
around again, you can embrace it
with a new outlook on life. Free to do
the things that you and your family
have always wanted to do.
| Copyright 2005-2008 Debt Credit Learning Center |
God Bless.
Carlos Cruz
Debt Credit Learning Center
Carlos Cruz
Debt Credit Learning Center