Early in my adulthood I discovered what I thought to be the best thing in the world, CREDIT! To my dismay, after years of trying to pay it off, I continued to find myself in debt. The reason, I owed more then I made. After years of working my way up on the pay scale I still found that I came up short every month end. I was robbing Peter to pay Paul, as my Mother would say, to keep my bills from going into collections.
Life or Debt 2010. I can honestly say the book changed my life. I have created an emergency fund, closed my credit card accounts and am on my way to being debt free! To date I have already paid off one credit card. Provided I stick to the plan my other two credit cards, car loan and student loans will be paid off in full by the year 2017 and I will be 100% DEBT FREE.
I created a solid budget for myself with room for the unexpected and have developed a way to live a simple life without sacrificing my happiness.