. It would be best to stop spending more than what you bring in, and budgeting will show you how to manage your finances.
You need to factor your debt repayment plan into your budget and practice good spending habits. Stop spending money you don’t have and put those credit cards away.Adding up the debt owing can be one of the scariest steps on your debt repayment journey. It’s easy to hide from the actual number, but you need to face your debt and get honest about the numbers. You need to know the outstanding balance on each credit card and loan, the interest rate, and the minimum monthly payment.
The bottom line is that debt weighs you down. You need to get that debt paid off and move on with your life. When you are in a better place financially, you can build your wealth and get your money working for you. Becoming wealthy is about making smart financial choices and managing your money well. It’s not how much money you make that determines how rich you are; it’s how you handle the money that makes you rich.
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