You can spend money to get rid of debt

This title must be a typo. How can you get rid of the money problem? Am I responsible for the federal government plan?

When you find yourself in trouble, the first step out of the cave is to stop digging. So how can you get rid of debt? I will explain how.

Google "how to get out of debt" and scroll down the paid ads. Almost every search result will give you some iterations of the following suggestions:

• Keep your bills organized so you can see which account you are using
• Create spreadsheets of income and expenses [on paper or using computer programs/applications]
• Plus your expenses and increase your income. Do you have more expenses than income?
• Get another job.
• Eliminate every cost you can afford. You can keep electricity, housing and food, but not much.
• Live this lifestyle until every debt is paid off.

Ok, I am a bit funny here. But I don't believe that I exaggerate. The idea that is touted is to let Spartans take a lifestyle as much as possible and maximize the amount you pay for debt.

The common theme here is that in order to get rid of debt, you must eliminate everything from your lifestyle and use the money to pay for your debt.

How long do you think you can live like this? Two weeks? One month?

If you are single, then this lifestyle may last longer because you have no one else to worry about. But when you have a spouse, you two must live like this. The plan has become more complicated.

Adding children to the scene, the complications are only exponentially increasing. A five-year-old child does not understand debt. All he knows is that cable TV no longer exists.

My advice is to spend some money on some "unnecessary" expenses. Let yourself do more than just work, work and go home. This is different for everyone. As far as I am concerned, we go to dinner once a week. A nice restaurant, not a fast food restaurant. This is what we expect every week.

We also maintain our Dish TV. There are no movie channels. This makes it easier to stay at home instead of going to restaurants and movies. We take out the money in advance.

We started our plan in 2010. Our 25th anniversary wedding anniversary is in 2012 and we have talked about years of cruising. So we also made a budget for this, save a little every month.

In theory, this "boring" spending slows debt gains. However, if this little fun lets you know your income plan, then you will reach your goal. Life Sparta for a month, then giving up will not let you reach your goal!

Think of it like trying to lose weight. If your plan is to eliminate everything except kale and celery, you may lose a bunch of weight at the beginning, but give up within a week or two. The idea of ​​a piece of pizza will become so overwhelming that you will eat a whole piece of pizza and feel guilty and withdraw from the plan. However, if you eat as much as you control the amount and observe your calories, you will be allowed to eat a little pizza and still lose weight. This will be a low weight reduction, but you will stick to your weight loss plan because you are not completely depriving yourself of the "prohibited" food.

Of course, your preferences and budget will determine what you can do with your expenses. Maybe you can only eat one or two meals a month. Will this "reward" allow you to continue planning to get out of debt? It works for me!

Should you get out of debt? absolute! But in order to succeed, I believe you have to build some interesting expenses in your budget. This may delay your end date to paper, but your chances of success will far exceed living on dog food and reading with candles!

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