Become DEBT-FREE in 2015

When telling people that I’m a financial coach, somebody always tells me that they need someone like me.  They want to change their habits and change their ways but sometimes they just don’t know how to go about that.

Here is a list I made of things that might help you to get on the path to financial freedom starting now.  Don’t wait!  The more you procrastinate the less likely you are going to ever change your habits.  Feel free to add to my list by leaving a comment below.


  • Start Small

Becoming Debt-Free in ’15 doesn’t have to start off with anything big.   Maybe this month you set aside a little money.  Maybe next month you set aside a little more.

You have to remember that your situation is unique.   Your story is not like mine or anybody else on this planet.  It’s your story.  Start out small but in the end know that you’re doing something BIG.

I am sitting down with a friend in two days just to go over a budget.  Seems like a small feat, but it was a HUGE blessing in our life.  The first month we budgeted, we were able to find $1K extra floating around in our paychecks.


What about you?  Where could you start right now to help yourself become debt-free this year?

  • Goal:  Save $1,000 immediately!

I know this sounds IMPOSSIBLE, especially when you are living paycheck to paycheck.  Trust me on this one when I say that if you don’t have this money saved when you’re trying to get out of debt that it will be a choice you may regret.


Every year we teach Financial Peace, it never fails that someone’s vehicle breaks down.  Sometimes people come to us with multiple problems all while they’re taking the course and trying to work their way out of debt.  You can call it what you want, but I always say that Satan is on the attack!

He doesn’t want us doing something to better ourselves.  He wants us to stay miserable because that’s what he enjoys the most.  So, quickly save your $1,000 before you begin your debt-free journey.

Need some ideas of how to get money quickly?  Read here….

  • Absolutely NO excuses

Don’t keep saying “I can’t get started because….” or “I think I need to wait until another time because…”

Stop making excuses for your poor behavior.  Own up to what you have done and face the facts.  Once you can take an honest look at your situation (which is one of the hardest things to do) then you can say “Look, I’ve made these mistakes and now I need to fix it.”

And yes, YOU, need to fix the problem.  It’s not the government’s fault that you are in debt.  You can’t blame it on your parents.  It’s all you.  The great thing is that now YOU can be the one to make things right.  So, stop making excuses and change your spending habits – TODAY!


  • Stay Focused

This seems to be a hard thing to do in our society.  Set your goals and then focus on them.  Don’t let things keep you from meeting your goals.  If you are married, then ask your spouse to be your accountability partner.  If you are single, then search out on your own to find an accountability partner.

An accountability partner will help you to focus on what’s important.  They will remind you that you don’t have the money to eat out or that you really don’t need to spend lots of money on a elaborate shopping trip.

Keep the goal in mind and hone in on that goal until you’ve accomplished it!




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