So, you're done with the holidays, right? And just a week into the New Year there may be a resolution or two that you're tinkering with. Diet. Exercise. Spend more time with friend and loved ones. Take a class. All great things.
But if you're in debt, all those things can get sidelined by one downward-spiral issue: debt-stress. Debt puts us in a pressure cooker and takes the joy out daily life. We worry. We're not present. We overspend, we justify it to ourselves, and then we stress ourselves over what we owe. We go year after year in these pain and guilt-ridden cycles and never do anything to change it.
So you know what I'm going to say next. There's one resolution that can change your life for good. You guessed it: vowing to live debt-free. No kidding--there's nothing that will impact your life for the good faster than learning how to do it.
How come? Because living debt-free affects every aspect of your life and living conditions. It reigns in your overspending on food, which changes your eating habits. It gives you clarity on your bills, which helps you relax about what's due when. It modulates your spending on "obligation spending"--gifts and dinners and work events that you may not even want to spend money on, and helps you learn to set boundaries. And, with the clarity of a Spending Plan, it directs your cash to things you really, genuinely want to spend money on.
But the real pay-offs in stopping the debt-cycle run much deeper. Less stress. No panic. No money drama in your marriage or relationship. Paid-for "wants" with no after-purchase guilt. Freedom. Ease. Peace.
If you've been in debt for a long time--or you've run up cycles of debt and then crawled out of it only to find yourself in debt again--then there's one central thing you need to know about living debt-free: it doesn't happen all by itself. You need a plan. A structure that's not stringent, but gives you real-life, livable parameters. Something that's easy to use, clear, and doesn't take a rocket scientist to figure out.
In fact, the simpler the plan is, the better. Those of us who are debtors--even if we're incredibly bright in other aspects of our lives--tend to tune out when it comes to our finances. All of our "brightness" flies out the window and we forget how to add.
Enter The Debt-Free Spending Plan. The Plan teaches you how to live within your means even if you think you can't. It's easy, it's simple, and it only takes a couple of hours to get started. It will--I promise--change your life forever if you use it. It won't--I promise--consume your life.
The Debt-Free Spending Plan was designed specifically for debtors who shut down around numbers, who don't like to look at their finances, and who desperately need a simple tool to help them stop racking up debt.
Make that resolution now. Get the tools, learn the Debt-Free Spending Plan, and live debt-free this year. It'll change your life and the lives of your family members forever.