How To Get Out Of Debt And Enjoy Life To The Full
How To Get Out Of Debt And Enjoy Life To The Full is going to take work, smartness and time. We all have something we can make money out of apart from working for the man. Or we can learn something with which to earn money. Or save the money we have.
This article is fairly extensive and takes a bit of reading. What else were you planning to do – hide your head in the sand. How To Get Out Of Debt and enjoy life to the full might just give you a bit inspiration and hope.
- How To Get Out Of Debt And Enjoy Life To The Full
- How To Get Out Of Debt And Have Family Vacations On The Cheap
- Tip #1 Set a budget and be prepared to stick to it
- Tip #2 Vacation closer to home and save lots of money
- Tip #3 Create a special vacation fund that all the family adds to
- Tip #4 Plan your vacation well in advance
- Tip #5 Vacation in the Off-Season
- How To Get Out Of Debt Whilst Dining Out
- Avoid Costly Gifts With These Suggestions
- Prepare a plan in advance of the holiday season
- Stick, stick, stick to your budget
- Propose a cap on holiday spending
- How To Get Out Of Debt By Making Your Own Gifts
- Holiday Within Your Budget Can Be Fun
- Tip #1 Vacation in your state
- Tip #2 get a national parks pass to save money
- Tip #3 Travel by train whenever possible
- Tip #4 Buy a package vacation to save money
- Tip #5 Visit family instead of theme parks
- Get Back to Work with these Money-Savings Childcare Options
- Financial aid can help you subsidize childcare costs
- Check with you child care center for ways to offset costs
- How To Get Out Of Debt By Offsetting Costs With Family Help
- Do you have a flexible work schedule?
- How To Get Out Of Debt | Start A Home Business Or Telecommute
- Use student child care
- Five Money Ways to Simply your Life and Breathe a Bit Easier
- How To Get Out Of Debt By Being Tidy
- Tip #2 Make your own easy household products
- Tip #3 Keep household essentials in stock and save money by buying in bulk
- Tip #4 Get a bill calendar
- Tip #5 Sign up for email updates
- Five Easy Snack Makeovers to Save on the Grocery Bill
- Tip #1 Don’t change anything except the way you shop
- Tip #2 Find low-cost food alternatives
- Tip #3 Makeover the kids habits
- Tip #4 Grocery choices
- Tip #5 Energy efficiency and Meds
- Eight Ways to Save Money on Gas without Going in Debt
- Tip # 1: Shop around for your gas
- Tip # 2: Buy gas from your grocery store
- Tip # 3: Ride your bike for work and simple errands
- Tip # 4: Start your own rideshare
- Tip # 5: Move closer to work
- Tip # 6: Invest in a bus pass
- Tip # 7: Always fill up with cash
- Tip # 8: Telecommute
- How To Get Out Of Debt
How To Get Out Of Debt And Have Family Vacations On The Cheap
How to Take a Family Vacation and Still Live within your Means
Going on vacation can be one of those things that can make you feel guilty. If you are in debt or simply can’t afford the vacation of your dreams, take heart. There are millions of people in the same position. Remember that vacation should not make you feel guilty. Vacations are a necessary part of life, especially in our busy lives. A good family vacation can be a great way to rejuvenate, relax and truly enjoy one another’s presence. Is it possible to take a family vacation while still living within your means? The good news is yes. Here are some tips on taking a guilt-free family vacation that allows you to stay within the parameters of your budget.
Tip #1 Set a budget and be prepared to stick to it
Part of the reason so many of us get into debt is that we completely lose control of our finances. We don’t realize how much we’re spending most of the time and thus don’t realize it when we are spending too much. Many of us plan vacations and getaways without realizing how much we’re spending. This is a big mistake that can easily land most of us in debt. Well ahead of the date of your proposed family vacation make a conscious decision to set a vacation budget. Be realistic about what you would like to spend, and how far you are comfortably willing to stretch your budget. Understand exactly how much your proposed vacation will cost and plan well ahead to get the best deals.
Tip #2 Vacation closer to home and save lots of money
One of the easiest ways to go on a family vacation that does not stray from your budget is to simply vacation near home. One of the biggest costs of the average family vacation is associated with travel costs. Air travel and gas prices have never been higher. Chances are that there are many attractions within your state that you have never seen and which would make for a delightful family vacation. Investigate and present these to your family for a vacation vote.
Tip #3 Create a special vacation fund that all the family adds to
This is a great way to save for a vacation and a fun way to get the family involved. This can also make for a powerful tool for demonstrating to young children the value of things. Create a special vacation jar that everyone in the jar is responsible for adding to. Try to make a game of it. For example, every time someone comes into possession of a colorful bill, have them add it to the vacation jar. This is a fun and easy way to save money for the family vacation. You would be surprised how quickly the money can add up.
Tip #4 Plan your vacation well in advance
One of the easiest ways to save money on air travel and hotel reservations is to book well in advance. In most cases, you will end up spending more on your family vacation if you decide to book at the last minute. Even better, make it a point to check for travel discounts at your intended travel destination. Just a little research can go a long way.
Tip #5 Vacation in the Off-Season
Are you looking for an easy way to save money on your family vacation? Simply vacationing in the off-season can save you hundreds of dollars. For example, if you visit the beach in spring or fall and you are likely to enjoy great weather, fewer crowds while possibly paying less for your hotel room. In most cases, you will save money if you choose to travel before or just after the busy summer season.
How To Get Out Of Debt Whilst Dining Out
How to Dine Out on Occasion and Still Make your Budget
You need to allow yourself to have fun once in awhile, and to experience the finer things in life. Finer dining does not need to cost every cent you have. You can still go out to eat and make your budget.The following options will help you have more of a peace of mind about eating out:
Cut down on cheap everyday fast foods and make your restaurant experience special. You will have more money for a sit-down meal in a more upscale restaurant if you cut out a few hamburger and fry orders. Not only that your dining experience will be more special and more rewarding.
In between dining experiences learn how to cook better foods for yourself at home. This could lead into a new hobby and can result in more money in your pocket in the long run.
You might want to consider eating out during lunch instead of dinner. Even at nicer restaurants you will fine high-quality meals on the menu that are fitting for midday cuisine. Perhaps a nice brunch on a Saturday afternoon would be ideal.
There is no shame in ordering water with your meal. In fact, most restaurants automatically supply their visitors with water. This will free up more funds for you to purchase a fuller meal.
Gourmet sandwich shops and pizza places often cost less. That is one option to think about as well.
If you eat a light meal before you go out you will get away with ordering appetizers or other inexpensive items. Either that or you can just go out for a few drinks and work it off dancing.
Buffet places usually offer reasonable rates for different times of the day. Some will offer morning specials for breakfast, while others offer noon-day and evening specials.
Use coupons, and do not be ashamed about doing so. Remember all those buy-one-get-one half off deals? Take advantage of those. However, one warning is that it may work better if you have known the person for awhile than if you have just met that person for a first date.
Check your local listings for special events that offer inexpensive dining. Local non-profit picnics, county fairs, and other places offer a well-rounded solution for fairly inexpensive fun you can plan ahead for. You also can find local Internet ads of your favorite places as well.
Have meals delivered, a service which many pizza and gourmet shops offer for free. It beats paying high gas prices to drive there.
Choose a spot in your neighborhood. It will cost you less to drive there. If you have never been to places nearby you, it is always possible to ask to view the menu before being seated. You can also call ahead or ask around about the place before you go.
Read reviews of local restaurants. These are found in local entertainment guides online and offline. You would be surprise what is in your own backyard versus an hour drive to the other side of town (or out of town).
If you want to eat healthy meals on a budget try a soup and a salad and a light sandwich. You might also consider a vegetable tray.
As long as you can “get away with it” try more informal quality dining. Many bar and grills will not mind if you order a big basket of fries and chicken for more than one person. Even in some places where they have an extensive entrée list you might be able to ask for an extra plate. Most restaurant meals are enough for two people anyway.
Avoid Costly Gifts With These Suggestions
Helpful Hints on How to Avoid the Debt of the gift giving season
Does the holiday season fill your heart with joy or do you go into a panic attack just thinking about the damage that it will do to your budget? If the holiday season has become something that you dread, it’s time to take control and put things into perspective. With mass consumerism and the pressure to spend during this time of year, it can be incredibly easy to throw caution to the wind and rack up a huge credit card bill that will come back to haunt you in the new year. This year, propose to approach the holiday season with your good sense intact. Here are some helpful hints on how to avoid the debt of the holiday season and enjoy a stress-free holiday.
Prepare a plan in advance of the holiday season
Take that old Boy Scout adage to heart when it comes to preparing yourself for the holiday season: be prepared. When the first strains of Christmas Carols come into earshot, grab a pen and sheet of paper and get ready to make a plan. You can try planning early, but it can be easy to forget about your fail-proof holiday season budgeting plan if you draft it in July. Around Thanksgiving, take a good hard look at your current financial template and figure out how much you can afford to spend on gifts, food, entertainment, travel and other seasonal expenses without going into the red. Make a list of everyone you plan on giving a gift to, including co-workers, the mail carrier, etc. It’s time to prioritize: who do you anticipate you will be spending more on? Write everyone’s name on a sheet of paper and put a figure next to their name. Add up all the numbers to make sure that your total figure is not beyond your budget.
Stick, stick, stick to your budget
You can make as many lists as you want but they won’t mean much if you don’t stick to a budget. It can be very tempting to overspend, especially if you happen to come upon the “perfect” gift for your wife, husband, girlfriend, boss, best friend, etc. No matter how perfect the gift may be, don’t buy it unless you can afford it. You won’t be doing your friends, family members and other loved ones any favors by getting into debt. Taking your budget plan to the store as you shop is an easy way to remind yourself not to overspend. Cross off names from your list after buying the corresponding gift or present. If you are buying many gifts, it can be very easy to overspend simply by buying too many presents and losing track of what you have purchased already.
Propose a cap on holiday spending
Chances are that you are not the only one in your family or circle of friends who overspends during the holiday season. If you are serious about spending within your means, discuss openly your concerns with friends and family members. Let them know that you will be setting a cap on your holiday setting, and that your friends and family members may want to consider reciprocating. If possible, get your family to agree on a spending cap. This will help ensure a financially healthy and low-stress holiday season for all your loved ones.
How To Get Out Of Debt By Making Your Own Gifts
A lot of people appreciate the warmth and unique beauty of handmade gifts. If you are lucky enough to have friends and family members who favor handmade items over store bought presents, the holiday season can not only be a great time to save money but a wonderful opportunity to let your talents shine. Are you an expert syrup maker? Do you love to make candles or soaps in your spare time? These can make wonderful and low-cost presents.
Holiday Within Your Budget Can Be Fun
Having a Bit of Summer Family Fun without any Debt on the Run
Summer is a time for barbeques, road trips and long-awaited travel vacations. But in these hard times, it can be hard to justify a family vacation. Remember that summer fun is never out of style and that a year full of activity and work always justifies a summer vacation. That doesn’t mean you have to go into debt just to enjoy a good summer vacation. Here are some tips for getting your good dose of summer fun without going into long-term debt.
Tip #1 Vacation in your state
Going on vacation isn’t a contest to see how far from home you can get this summer. Why not choose to vacation in your state or region? Staying within the boundaries of your own state can save you money on transportation and you can probably see many things and visit destinations you have never visited. State parks are usually much less expensive than national parks, and they are just as fun. So pack up the car and head out to explore your own backyard.
Tip #2 get a national parks pass to save money
If you and your family are set on visiting one of the country’s premiere national park destinations, go ahead and invest in a national parks pass. Most of the famous national parks will cost you a good $20-25 a pop. If you plan on visiting often or would like to see more than one park, you would probably be better off in investing a national park pass, which gains you admittance to several national parks for one flat fee.
Tip #3 Travel by train whenever possible
If your destination allows, choose to travel by train. The savings in gas will be significant, and you will have more time to enjoy the view. Of course, if you are planning a long trip or traveling with little ones, you will probably want to avoid extensive train travel. Use the train for short trips where you can get away with walking, bus and cabs, or break up a longer voyage into shorter legs so that the little ones don’t get restless and so you can get to see more destinations.
Tip #4 Buy a package vacation to save money
There are many great package vacations out there that allow you to save money on air, hotel and attractions. Make sure to do the math before you sign up for a package vacation to make sure you are getting a good deal. Also, you should read all the fine print. Many low-priced package vacations have strict travel restrictions. If you can make it work, you will likely save hundreds of dollars on package vacations.
Tip #5 Visit family instead of theme parks
If you and the family are excited about taking a road trip and aren’t too picky about the destination (after all, the journey is the destination, right?), why not pay a visit to loved relatives that you don’t get to see too often. Instead of driving across two states to go to an overpriced and crowded theme park, take the kids to visit grandma. In the long run, they are likely to have just as much fun without the high costs of theme parks or other tourist attractions.
Tip #6 Pack a cooler and make your lunch on the road
Beside gas and hotels, eating is probably your highest cost while on a family road trip vacation. You can save hundreds of dollars by preparing ahead of time and preparing your own picnic lunches. Treat yourself to one restaurant meal per day if you like, but be prepared to visit grocery stores in order to make your own fresh and much less expensive lunches.
Get Back to Work with these Money-Savings Childcare Options
There’s no doubt about it: finding affordable and trustworthy childcare options is one of the biggest challenges facing many working parents today. What can you do in order to reduce your childcare costs? Having a baby can be a huge financial stain on first-time parents, and many don’t realize how many affordable childcare options there are out there. Here are some tips for finding ways to save money with different childcare options. Some of these may seem like common sense, while others may force you and your partner to make some hard decisions. How to get out of debt sometimes requires difficult decisions.
Financial aid can help you subsidize childcare costs
There’s no getting around the high cost of child care. In some cases, you may find yourself paying more for child care than your rent or mortgage. There is some help to be found with financial aid. Take advantage of flexible spending accounts offered by your employer, such as the dependent care account. These accounts allow you to save pre-tax dollars specifically for such things as day care and elder care. You can save thousands in taxes each year by taking advantage of these flex spending accounts. If you pay for child care expenses with your after-tax dollars, you can take advantage of the Dependent Care Tax Credit on your income tax return. You can claim from 20% to 35% of up to $3,000 for one child.
Many givernmenst can help you on how to get out of debt with childcare.
Check with you child care center for ways to offset costs
Some child care centers are willing to work with their parents to help offset costs. If you are having trouble keeping up with payments, talk to your child care center before things get worse. Let them know your financial situation and see if there are things you can do in order to offset your child care costs. Volunteering, donating goods or other kinds of contributions are sometimes an acceptable way of offsetting your child care bill. Some child care centers have the resources and information to refer you to government agencies that can also help with grants and financial aid.
How To Get Out Of Debt By Offsetting Costs With Family Help
Traditionally, extended families have always been around to help offset the cost and responsibility of child care. If you are fortunate enough to have caring and supportive family members, see if they can help you with child care. Many couples or single parents work with their relatives to coordinate a child care schedule that works for both parties. Of course, you should do your best to compensate your relatives for this care.
Do you have a flexible work schedule?
Many parents rearrange their work days in order to take care of their children. With some finagling and juggling, many parents can reduce their day child care costs significantly by flexing their work schedules.
How To Get Out Of Debt | Start A Home Business Or Telecommute
With today’s advanced technology, it is easier than ever to work from home. If you or your partner has the option of working from home, take advantage of it. Even if you can only finagle a couple of days of telecommuting a week, this will still give you a great advantage. If there is simply no way that you can bring your work life home, consider starting a sideline business that can help you cope with the high costs of day child care.
Use student child care
If you are located near a college or university, there is a good chance that you can find adequate child care close to home. Many students charge less for their services than a professional day care business. If you are looking for a nanny, consider hiring from an au pair service.
Five Money Ways to Simply your Life and Breathe a Bit Easier
Are you stressed out over your finances? Do your finances remind you of a weedy jungle, full of chaos and danger? If this description strikes a chord, it’s time to get control over your financial life. One of the biggest benefits, and curiously under-touted aspects of simplifying your life, is that it can help you save money. Simplifying your life can not only help you save lots of money, it can also help you breathe easier. And who doesn’t want to breathe easier? These things—money, stress and organization—are intricately connected to one another. When we get one into control, the others will follow. Here are some tips for getting control of your finances, save money and lower your overall stress levels.
Tip #1 Spend 15 minutes every day cleaning up your finances
Many of us who find ourselves trapped in a chaotic financial life probably overlook the regular financial housekeeping that can keep the chaos at bay. It can be easy to forget, avoid or simply overlook several small tasks. These things eventually gather dust, take up space and pile up to the point that they become overwhelming, scary and bad for our finances. Here is a simple habit to fall into that can help protect you from the horrible sight of stacks of unpaid bills and stray papers overflowing on your kitchen table or desk.
How To Get Out Of Debt By Being Tidy
Spend fifteen minutes each day cleaning your desk, kitchen table, or wherever it is that you keep your important financial papers. Go over bills, throw out old mail, sharpen your pencils, and put things in order. If you are not the kind to keep extensive tabs on your papers, make it easy for yourself. Dedicate one desk drawer to your bills and other financial papers. Go through your drawer each day and make sure that there is nothing in there that will surprise or scare you one day. Simply dedicating fifteen minutes each day is an easy way to simplify your life, stay organized and save money on unpaid bills, fines or other surprise costs.
Tip #2 Make your own easy household products
Here is an easy way to save money and keep things simple. Why spend five bucks on a bottle of multipurpose cleaner when you can spend pennies on your own homemade household product. Replace your expensive Windex cleaner with your own concoction of ammonia, vinegar, water and rubbing alcohol. If you want it to look blue, add a few drops of blue food dye. You can make a full bottle for about 35 cents. This is an easy way to make an effective, safe and very inexpensive household cleaner.
Tip #3 Keep household essentials in stock and save money by buying in bulk
Ever reached for tissue and find that you are out? Or what about needing a napkin and finding none in stock? Not having household essentials on hand can be stressful and frustrating. Many times when we are hurried and harried and shopping for a household essential, we tend to overpay. After all, who has time for comparison shopping when you are in the midst of a throbbing headache? Save yourself the stress by shopping in bulk for household essentials. You should only buy in bulk when you know you’re getting a good deal. If tissues are on sale, grab a few boxes. There are many non-perishable household essentials that are easy to buy in bulk, including toilet paper, toothpaste, tissues, napkins, canned food and others.
Tip #4 Get a bill calendar
With many of us juggling numerous bills, it can be easy to drop the ball every once in a while. Keep things simple and your bills paid by keeping a handy bill calendar. Buy an oversized calendar and put it somewhere easily visible. Make a note of when you have to make payments. Even simpler, automate your payments online if possible. How to get out of debt requires a little bit of organisation.
Tip #5 Sign up for email updates
If you can’t automate your payments but you check your e-mail often, signing up for email updates is an easy way to keep track of your accounts. Most credit card companies offer many easy tools for keeping a close eye on your accounts.
Five Easy Snack Makeovers to Save on the Grocery Bill
You may have noticed that your habits and interests have changed as you’ve gotten older. More than likely, you exercise and participate in physical activities at a slower pace than when you were in your youth. Even the foods you enjoy today may be rather different than 30 or 40 years ago. These changes in lifestyle can make a dramatic change in the type of expenditures that appear in your current budget. A tasty how to get out of debt formula.
Tip #1 Don’t change anything except the way you shop
Shop differently. If you shop at grocery stores in which you aren’t normally seen at, like bulk food stores and low-cost groceries, you can often buy the same brand-name products you’re used to only at reduced costs. This type of cautious shopping is a great way to save money on your grocery bill.
Tip #2 Find low-cost food alternatives
You can easily cut down on your snacks by shopping more inexpensively. If you are used to spending $5.00 a day on a muffin from the corner store, shop for pre-packaged muffins at a low-cost grocery store and bring one of those to work with you each day. This is a way that can save you a ton on your grocery food bill. You can do this with snack foods very easily. Simply purchase inexpensive snacks at your grocery store when you do the shopping. Bring these snacks with you when you are likely to snack.
Tip #3 Makeover the kids habits
If you raised kids, the expenditures in your budget are probably significantly different today than when your children lived with you. Then, you probably looked for “family” discount packages for vacations and entertainment events. You probably purchased milk in a gallon container and kept a large supply of laundry and cleaning products. You probably cooked large meals with leftovers for one, maybe two, days.
Your medicine cabinet probably had lots of bandages and alcohol for those times when the kids scrapped their knees, as well as vitamins and cold tablets to keep them healthy and protected from viruses transmitted by their classmates.
But now that you’re older and the kids have flown the coup, it’s time to look at how to budget for the 50-something lifestyle for you and your spouse (or for you, if living alone).
Tip #4 Grocery choices
When purchasing goods with short shelf lives or expiration dates, such as milk, cheese and other dairy products, avoid getting the “jumbo” or “family-sized” container for your scaled down family of just you and your spouse. Generally, dry goods can last a long time, and you may be inclined to purchase the large bag or box of rice, cereal, and flour. However, if it takes you a very long time to consume the product once the container has been opened, that product can lose its freshness and original properties. For example, homemade cookies made with old, exposed baking powder will not rise as much as when the powder was fresh.
Tip #5 Energy efficiency and Meds
If you are retired or no longer working, you may have noticed that your heating and cooling bills are higher now that you are in the home over more hours per day. Therefore, you may want to acclimate yourself to slightly lower temperature settings on your house thermometer. If you have a timer system on your thermometer, you might adjust the time settings as well. In fact, if your equipment is more than 15 or 20 years old, you may want to consider upgrading or replacing it with a more energy-efficient furnace and air conditioning system. Sadly, the rate of prescriptions continues to rise. So, remember to include the cost of your medication, medical services and long-term care, when modifying your budget, also.
Eight Ways to Save Money on Gas without Going in Debt
Do you find yourself using your credit card just to gas up? Bad idea. With sky-high gas prices, it can be difficult to gas up without going into debt these days. Here are eight ways to save money on gas without going into debt. This is one of the essential how to get out of debt sections. Long term savings – little by little.
Tip # 1: Shop around for your gas
Maybe you are not used to shopping around for your gas. In the good old days of $2.00 gallons, you could afford to stop at the first gas station you came across in order to fill up. Not anymore. Now it is possible to feel the difference simply by filling up at a station offering its gas for a few cents less per gallon than the competition across the street. Make sure to shop around for gas before filling up. In most cities you can find gas stations selling gas for ten to fifteen cents less per gallon than their competitors. Use web sites such as Gas Buddy in order to find the cheapest gas in your area. Debt free living takes a bit of time investement.
Tip # 2: Buy gas from your grocery store
One of the trends we have been seeing in recent years is grocery stores offering discount gas to customers. Many stores are now offering these types of savings discounts. Usually you will need to sign up for a store savings card, and some stores offer deeper discounts after you have spent a certain amount on groceries. Some stores are known for offering deep discounts during special promotional periods, so keep your ears and eyes open.
Tip # 3: Ride your bike for work and simple errands
So you haven’t ridden a bike since you were twelve, you say. It’s time to practice your skills and remember why riding a bike was so much fun in the first place. With more people on bikes than ever before, you will probably not be alone in commuting to work on your bike. Plus, you get the added bonus of getting in shape. Get a good basket put on your bike and use it for small shopping errands around your neighborhood. Even if you only ride your bike a few times a week, the savings on gas will quickly add up.
Tip # 4: Start your own rideshare
Even if you have never commuted before, it’s probably time to start. Commuting is a low-stress and money-saving way to save money on gas. There are many web sites that now help connect people who need to save money on their daily commute. You would be surprised how many people in your neighborhood probably drive to roughly the same area.
Tip # 5: Move closer to work
If you are used to a long commute, it’s probably costing you an arm and a leg just to make it to work. If you rent an apartment or even if you own your own home, it may be the right time to consider making a move. When you love your job and are willing to make the move, this can save you considerably on transportation costs. Sit down and do the math if you are not convinced, and think about how much time and stress you will save by working close to home. Ot try to earn from home.
Tip # 6: Invest in a bus pass
Even if you have never ridden the bus before, maybe it’s time to start. Many cities offer discounted bus passes for commuters. You would probably be surprised how easy, efficient and relaxing it can be to sit back and let another person do the driving for you. How to get out of debt and see more. If you earn from home you do not have any tavel costs.
Tip # 7: Always fill up with cash
Many gas stations are now offering discounts for cash purchases. Not only is cash a cheaper way to buy gas, it can also help you stay out of debt. The last thing you want is to spend five years paying for a gallon of gas, but that’s what interest rates will do to you.
Tip # 8: Telecommute
If possible, look into the option of telecommuting. Even telecommuting once or twice a week from home can save you a lot of money on gas. This is one of the best how to get out of debt suggestions. You and your boss benefits. Possibly less childcare.
How To Get Out Of Debt
There has not been 101 ideas on How To Get Out Of Debt in this artocle. There more articles coming on this subject. Believe it or not it is easier to earn more and reduce costs than you might think. Keep the faith in yorself. Everyone who has made money started somewhere. Debt free living could be your new lifestyle. If you do nothing you will be rewarded with the same.