Have you ever asked yourself what being debt free could do for you? (And your budget?) Most people never even consider the idea, or if they do, they don’t follow it through to its logical conclusion.
Sure, you know you’d have more money if you didn’t have all those payments, but have you ever sat down and done a before-and-after budget?
Here’s an example of what being debt free could do for your budget.
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I’ve talked before about how saying “no” is a viable option when you’re asked to do something that doesn’t fit your budget.
But for many people, saying no is hard to do — especially if you feel embarrassed about your financial state, or feel socially obligated to say yes.
So how do you say no without stressing out about it?
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It can be super frustrating when you’re working on debt reduction, but it seems like something always comes up. Of course it’s even more frustrating if you’re not able to send as much to debt as you’d like because things keep coming up, or if you’re falling behind.
Don’t you wish there was a way to prevent all that?
While we can’t prevent the unexpected, we can plan for it. And believe it or not, that type of planning makes a huge difference.
Here’s how to turn the frustration of something that came up into just a minor inconvenience.
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If you’ve been putting off creating a budget for months because you dread digging through a bunch of papers (or signing up on a bunch of web sites) to see what all you owe, there’s a relatively painless way to get started.
The catch is, it’s also a little bit slow.
But slow is faster (and better!) than never doing it at all, and slow is better than continuing to put off creating a budget for several more months.
Slow is progress.
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