The new year is a time to start over with a blank slate. It’s an ideal
time to rid yourself of negativity and give yourself a fresh new outlook on life.
Unfortunately, this can be difficult to do with debt hanging over your head. In fact, waking up to find yourself in deep—and ever increasing—debt can make it hard to focus on much of anything.
Fortunately, there is a way out of debt, even when it is deep and seemingly endless. Although it will likely be a journey, there are plenty of others who have traveled the same road to help you out along the way. Best of all, the freedom from debt found at the end of the road is well worth all of your hard work.
The first step on your journey to debt-free living is to ditch the credit cards. Don’t toss them out entirely until they are paid off, but do freeze them in a large block of ice, hand them over to a trustworthy family member to keep out of your reach, or hide them from yourself in a place that is very inconvenient to get to. This will keep you from using them without a lot of thought first. (more…)