Back a couple of years ago, when we started out on our Journey to Debt Free Forever, I started searching the Internet on ways and means to reduce our expenditures and/or increase our income. Not realising how much hard work was involved, I was looking for a quick fix to make that "OMG, We're going bankrupt!" feeling go away. I never did find it.
Some folks who are just starting out on their journey may be asking, 'What can I do today...right now?'
If you are looking for one big thing, with a lasting impact, you may be thinking about this all wrong.
In my experience, it's lots of little things, small savings, all added together that make a difference. You also have to have a shift in the way you think about money, and your things.
~ Learn to make do, live with less and in some instances, do without.
~ Question every expenditure and learn the difference between 'needs' and 'wants'.
~ Realise that your daily life and spending is mostly habitual
~ You need to figure out where your money has been going in order to develop a plan of attack.
~ Know that from the outset, that it is a long road, a lot of hard work, and almost nothing will happen overnight.
So my question to you, dear readers, is what advice would you give to someone who is just starting out on their Journey to Debt Free Forever?