With resources like Pinterest and other websites, there are so many great ways to “DIY” things that used to cost a lot. If you have several super high-interest, high-balance credit card debts, consider a balance transfer to consolidate the amount and stop incurring interest while you work on chipping away at the number. Each time you pay one balance off, move to the next most expensive debt you have. Consider your interest-free or lower-interest debts the next priority. After that, focus on credit card debt or other higher-interest debt as your target debt to pay off first. Obviously, you have to at least make the minimum payment on all your obligations. Stay patient and remember that material possessions won’t make you nearly as happy as setting a goal and accomplishing it! This can be hard to do – after all, we all have to-do lists and wish lists alike. When your goal is to pay off outstanding debts and bills, and begin building a “rainy day” fund, you have to immediately put a halt to adding any new debts. Then take out cash for just what you need – bonus points if you have a little leftover at the end of the week! Set a budget for how much you’d like to spend each week, including groceries and toiletries, gas, lunches/meals out. Those $7 lunches stack up fast when you actually watch the cash in your wallet dwindle by Wednesday or Thursday of each week. When you throw every purchase on a debit or credit card, it’s way too easy to lose track of what you’re actually spending.
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1/17/2024 11:18:03 am
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1/18/2024 09:28:50 am
Then take out cash for just what you need bonus points if you have a little leftover at the end of the week! Set a budget for how much you’d like to spend each week, including groceries and toiletries, Thank you for the beautiful post!
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