…the tough gets going – – – or so the ’80’s hit goes!
It’s been so tough lately. Debt really does get me down, and even more so is the amount of money I’m wasting each month clearing this thing! Man, it’s so important to have a budget it’s unreal!
With my YNAB budgeting and also my intense reading on the Keith Rowlinson’s Eclectic site, they are both really keeping me totally focused. It’s so true, it’s not easy getting out of debt. Only if you’re determined enough and have the discipline you’ll succeed with the knowledge you gain.
And then there’s articles which have just popped up on the UK site lovemoney.com today : the fact that a new law has silently been granted today in which if you have a CCJ (court county judgement) set against you, the creditors ‘can’ legally claw back unpaid credit card and short-term loans by having them secured on your home – so you could LOSE your home in the process as they are now aiming to get this linked to your mortgage! Jesus, this is scary.
GET OUT OF DEBT GUYS. COME ON – WE CAN DO THIS. GET RID OF THE DEBT-MONKEY WHO IS, AT THIS MOMENT IN TIME, SHAKING HIS ANGRY LITTLE HEAD AS HE ISN’T HAPPY WITH WHAT I’M SAYING TO YA’LL
If you’re really determined to get rid of debt, and for good, then you’ve got to have a plan set in place.
Step 1: http://eclecticsite.com/financial.html
Start to read the articles which are straight and to the point. You may not like what is written in there, but it really does bring your debt home, and there’s no messing. Acknowledge that you’re in debt / deal with it / change your lifestyle / clear your debts / build on your emergency fund / invest
Step 2: http://ynab.me/chrissie
In addition to the above, I use an electronic budgeting software, the best one without a doubt is the YNAB system. I also write everything down on paper in my diary whenever I spend any money – and I keep a weekly total on it.
Both these two websites have totally changed my life and also my way of thinking and handling money. As Keith Rowlinson has said on a number of occasions, getting out of debt is not easy, and it’s probably the most difficult thing you’ll ever do – however, it will end up being the most rewarding thing you’ve ever done once your debts are cleared for good.
Let’s go for it people – let’s keep focused, keep disciplined, keep determined and gain all the knowledge we’ll ever need by following the two website links above – I mean it.
We can do this – we can shake this monkey off our backs for good!
Peace ‘n’ Love…