Cut small purchases like eating out or shopping.Negotiate their balances with the credit card companies.Thirty-three dollars feels a lot more doable than $1,000.Challenge yourself to save from any unplanned purchases for the first seven days.The debt-free community sometimes interprets this as a “no spend week,” but the terminology makes it feel more restrictive than restorative. Instead, set an allowance for necessities and give yourself permission to buy what you deem necessary.
Add up the total you would have spent on those items you chose not to buy, and put it toward paying off your debt instead.The challenge is over the course of a month in which you donate or trash the number of items on the date, for every day of the month.For example, you would donate or trash one thing you don’t need anymore on April 1. For that 1 item, pay $1 toward your debt.
If you plan on donating items, you can set a box close to your door and bring it to the car each time you leave the house.
Congratulations!! Sounds like the debt snowball.and the debt avalanche! The more games the better! FinancialFreedom