Reach Debt Freedom Faster with One Simple Mindset Hack

Don't let weenie words hold you back! Reach debt freedom (and other goals) faster with this one simple mindset hack.There’s a simple mindset hack that can help you reach debt freedom faster. But before we get to it, it’s quiz time: What do all of these phrases have in common?

  • I’m trying to pay off debt
  • I wish my credit card didn’t have such a high interest rate
  • I’d like to be debt free
  • I want to build an emergency fund
  • I’m going to work on spending less

It’s not that they’re all related to debt or money. It’s that they all use weenie words.

How weenie words are holding you back

Weenie words like “try”, “wish”, “would like”, etc. mean you’re weaseling out of making a commitment on a goal — and you might not even know it.

Here’s why that’s a problem (and how a simple change can help.)
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4 Crazy-Simple Ways to Cut Your Holiday Spending in Half

Gifts & holiday spending doesn't have to break the bank. These 4 amazingly easy holiday savings tips could save you hundreds.The holidays can run you a pretty penny if you’re not careful — especially if you’re not yet in the habit of budgeting for them throughout the year.

But it doesn’t have to be that way!

You can use a few amazingly simple ways to save big bucks on your holiday spending. (Plus you’ll save time and be less stressed out in the process.)

More savings with less stress equals a more peaceful holiday season, and who wouldn’t want that? Even better, saving money on the holidays helps you avoid post-holiday debt so your New Year can be stress-free too.

So, here are those 4 super-simple tips that can make your holidays less spendy.
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Could You Be Making This Common Credit Card Mistake?

Avoid this trap! One of the most common credit card mistakes...Did you know that getting a credit card for emergencies is one of the most common credit card mistakes you can make?

Sadly, I found that out the hard way, leaving me frustrated and discouraged.

Here’s what happened — plus what you can do to avoid falling into the same trap.

(Or to escape that trap quickly and fix things if you’ve already fallen in.)

How it started: Making one of those common credit card mistakes…

Shortly after my first husband and I got married, we got a credit card to use “strictly for emergencies”. We were really clear on that up front, and believed that having the card would also benefit us by building credit. We felt a little bit nervous, but also smart.

The problem was – or so I thought – that we kept having emergencies.

One of us “had” to fly out of state for a funeral. Twice. We also “had” to replace the clutch and the brakes on my lemon of a car. Three or four times!

So of course, we used the emergency credit card to do so. That’s what it was for, right? There was just one huge problem…
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Debt Snowball vs Debt Avalanche

Is it better to use the debt snowball vs debt avalanche to get out of debt?You’re ready to pay off debt, but what’s the best way to go about it? Should you use the debt snowball method or the debt avalanche?

Spoiler alert:

If you’ve been in debt for a long time and want to get out of debt for good, the debt snowball is highly likely to be best. (I’ll go into why later.)

But there’s more to it than that, so read on for details, especially if “but won’t I pay more interest if I use a debt snowball instead of a debt avalanche?” just popped into your head.
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