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If you want to be debt free, you need to freeze all of your inessential spending and avoid buying things that you can't afford. If you can't pay for something in cash, today, you don't need it. Commit to the process and the journey of remaining free of debt and enjoy the freedom that it brings. Being debt free doesn't mean living like a miser. If you want to spend a little on vacation, or splurge a little every now and then, feel free to go for it. Just make sure that these kind of fun expenses come from monthly income that's in excess, not being charged on accounts that are already swollen beyond capacity. Every paycheck, put aside some money for bills, food, and other needed necessities of living, and some money aside to save. Also put aside a little money for non-necessities. It's important to be able to buy things you want without going into debt. Keep saving money, and paying off bills so that you can pay off your debt. For many people, debt happens because we think we deserve a certain quality of life. Why don't we deserve the expensive cars, the fine jewelry, and the fancy vacations that other people can afford? This kind of thinking is how people get sunk into heavy debts they struggle their whole life to pay off. Learn to be happy living within your means, and take pleasure in every dollar you save, in every day that you spend out from under the boot of someone else's money. Be free. Medical debts quickly sink financially secure people into financial trouble. You need to eat well, exercise, and maintain proper dental health to avoid costly and unexpected expenses that come as the result of health scares. A single trip to the hospital can bankrupt people who aren't prepare for it. Don't be one of them. If you're uninsured, make sure you get some kind of affordable health insurance as quickly as possible. Talk to your employer about insurance options, or research national options in the marketplace. It's very important to have health insurance for when you need a little help. . When you've got your debts paid down, the fun can start. Building credit and working your way into a good credit score will have those credit cards and expenses working to your advantage. When you can afford to buy something outright, pay for it with credit and then pay it off immediately to help build back the credit that might have suffered under the weight of your loans. Take steps to make your credit work for you.
Commit to a change in behavior. Keep saving. Be happy living within your means. Stay healthy. Build credit