oclivin

First off, condense your credit card debt onto one credit card with low interest. If you have some money saved and you are not in need of it, go ahead and pay off your credit card debt, trust me, you will be grateful. You need a new spending strategy, when going to the store, make sure you ask yourself one question ” Do I need this item or do I want it”, often times the answer is ” No I do not need it”. I started doing this, and trust me, it really helps. When you put your life in perspective and focus on acchieving financial freedom, you can honestly save so much money. Do not open department store credit, do not put groceries on credit, unless your plan is to pay it off at the end of each month. Make sure you budget for gas, groceries and monthly credit card payment. Try to hold off on using your credit card for a while, if you do not have money to pay for it, do not buy it! Chances are you do not need it anyway. Unless you cannot afford groceries then you are ok, if you cannot afford food, then you need to get another part time job. Practicing these few simple steps will bring you to some financial relief, this is a strategy, your mind has to be insync as well, or it won’t work. Change your spending habbits, change your life.

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