moonchild
VIP Contributor
There was a couple of times I was riddled in debt, it isn't a good place to be in mentally, I had to make some serious changes to my mindset and my lifestyle. First and foremost, I had to take a hard look at my spending habits and figure out where I was wasting money. I realized that I was spending way too much on things that didn't bring me any real value or joy, like eating out at fancy restaurants and buying expensive clothes.
Once I identified those areas where I was overspending, I made a conscious effort to cut back. I started cooking at home more often. I also started shopping at thrift stores and buying secondhand items instead of always buying brand new.
But the biggest change I made was to my mindset. I had to shift my focus from instant gratification to long-term goals. Instead of always wanting the newest and shiniest things, I started thinking about the future and what I really wanted for my life. I realized that being debt-free was more important to me than any material possession.
I made a plan to pay off my debt as quickly as possible. I started with the smallest debt and worked my way up to the largest till I pay off.
Once I identified those areas where I was overspending, I made a conscious effort to cut back. I started cooking at home more often. I also started shopping at thrift stores and buying secondhand items instead of always buying brand new.
But the biggest change I made was to my mindset. I had to shift my focus from instant gratification to long-term goals. Instead of always wanting the newest and shiniest things, I started thinking about the future and what I really wanted for my life. I realized that being debt-free was more important to me than any material possession.
I made a plan to pay off my debt as quickly as possible. I started with the smallest debt and worked my way up to the largest till I pay off.