• TRANSFER BALANCES ON CREDIT CARDS - THIS REDUCES INTEREST CHARGES
  
• EDUCATE YOURSELF ABOUT ALL THE DIFFERENT WAYS YOU CAN REDUCE EXPENSES
  
• THINK ABOUT YOUR GOALS AND FOCUS ON THEM
  
• PAY MORE THAN MINIMUM ON ANY LOAN OR CREDIT CARD YOU HAVE
  
• THINK ABOUT WEALTH RATHER THAN THE DEBT
  
• IF YOU MAKE EXTRA MONEY FROM OVERTIME OR BONUSES - USE IT TO PAY OFF DEBT
  
• BE WILLING TO MAKE SACRIFICES
  
• FIND FREE OR LOW COST ENTERTAINMENT
  
• PUT THIS NOTE IN YOUR WALLET OR PURSE - "DO I REALLY NEED THIS?"
  
• READ THIS BOOK - HOW TO GET OUT OF DEBT, STAY OUT OF DEBT AND LIVE PROSPEROUSLY BY JERROLD MUNDIS

I hope some of these suggestions have given you something to think about.

Take it from me, if you only take a handful of these suggestions and start putting them into action, you will be well on your way to a life without debt!

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I always welcome and appreciate any positive questions related to the topic, positive feedback, or comments.

Don't forget, if I don't answer you straight away, I'm in South Australia and sometimes our times zones are quite different :)

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Thanks for taking the time...I know how busy you are!

Best wishes and much success...

Steve :)

The pictures I have used are courtesy of pixabay.com