1. Quickly read through all the material.
2. Create a budget. You can use a budget App or simply fill out the “MonthlyBudgetPlanner” spreadsheet to get a clear picture of your current financial situation. If you use a debit or credit card for most of your transactions, you can download or print a copy of your statement to see exactly where you spend your money.
3. Look for areas where you can make choices to reduce your expenses or costs.
4. Set a date to start making the changes.
5. Take action. Just Do It. (A good plan without action = nothing accomplished).
Anyone interested looking for other ways to saving money and reducing their monthly living expense by making small changes to their current spending habits.
You can be on your way to being debt free if you willing to pay the price. For the most part, the process of getting/living debt free is simple, but this should not be confused with it being easy. It is simple because anyone can follow the examples show on this blog and be on their way, but to achieve this, they have to stick to the plan and exercise self control in their daily financial habits / activities. This tends to be the hardest part for people who are used to spending on impulse.
I believe you can take control of you finances. It is within the reach of all of us as long as we are willing to do what it takes to make it happen. When you consider the alternatives like always having to live pay check to pay check, harassment from collection department, the stress and strain that it puts on families, it is a small price to pay.