Most people fail to do anything major because they see it as a big impossible task that needs to be tackled all at once. If you’re trying to climb a mountain, you can come up with dozens of excuses: you’re not feeling up to it, it’s not the right time to start your journey, you only have an hour and it takes days, etc…. I’m as guilty as anyone – I’ve got more unfinished projects than I care to admit. But these things can be all be tackled (even at once) if you have the desire and the focus. And I’ll show you how.
If you’re not up to your eyeballs in debt, consider yourself lucky. Millions of people each year find themselves in tough financial situations. In some cases, they’ve done something irresponsible but in others, they’ve just been hit with some bad luck. Whatever the case, the best way to deal with debt is to avoid it all costs. Here are a few habits to help you stay in the black.
1. Spend less than you make.