It's Time To Make a Change
Do you work hard? Are you tired of working and working and working and still feeling broke? You work too hard to be broke. It's time to make a change. As Dave Ramsey says:
"Don't borrow another dollar. Your future is too valuable to continue to give it away to monthly payments. Make a decision to turn things around. It's not going to be easy, but it's worth it. You CAN do it."
What do you need to change? Do you have a monthly budget? Do you know where ALL your money is going? Start tracking it. You might be surprised to see where it is going. Once you identified where all your money is going each week, you can see where you could cut back and begin paying down debt faster.
Most importantly, the best way to pay off debt is to stop entering into debt. It's very tempting. A new car with seemingly "easy payments". A home renovation project. After all, you "deserve it." The easiest debt to get into is credit card debt. It's sneaky. "Oh, it's just a few dollars on the credit card." But it adds up. Stop using the credit card.
It's TIME to make a change.
You can master your money... and I can help!
Contact Michelle Serna by filling out the Contact Me form.
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