This is a recipe you'll surely want to pass down from generation to generation. Your children and grandchildren will love the flavor of debt freedom. Serve it to them from birth to marriage and you'll be giving them a taste of success. Give yourself and your heirs a slice of financial security and independence to savor! What's in the recipe for debt free living?
Ingredients:
2 cups self evaluation
1 cup self discipline
3 or more cups self control
1 cup self monitoring
ingenuity by the handfuls
determination as needed
Directions:
1. Use a 1 cup self evaluation to track spending habits and the other cup to determine what type of budget suits your personality and level of budgeting tolerance. Use a good honest grade of self evaluation. Take a good look at your past budgeting habits (failures and successes). Choose an easy budgeting method that suits you. You don't want your debt free recipe to fall.
2. Add self discipline to stick to your debt free living goals and your personal budget plan. Depending on what grade of self evaluation you've used, this should mix in with minimal effort.
3. You'll surely need all 3 cups of self control to stop overspending, wasting money, making impulsive spending decisions, and creating more debt. Don't be stingy here, use as much as you need. The more self control you use the tastier the result!
4. Throw in a cup of self monitoring to track and maintain your budget plan and, monitor spending and goals. Mix well. You want your mix of budgeting, spending management, and goals (debt elimination, savings, investment, and wealth building) to be a complete and smooth mix.
5. Ingenuity is the secret ingredient that will help your recipe rise to success. Use your resources to the fullest to trim your budget expenses and save money everyday. Recycle, reuse, reconsider, resell, and use a variety of money saving strategies. Never pay more than you have to for any ingredient in life.
6. Add determination as needed to keep your recipe for debt free living cooking. Cook until done. Debt balance when viewed says zero!
You've reached your goal to eliminate debt. Enjoy the taste of true freedom and rejoice with a huge slice of stress relief.
Free Living Will Sample
Shortcuts are about streamlining and simplifying your life. Consider eliminating a phone line. That's right; in this age of technology do you really need a cell phone, a home phone, and a work phone? Okay so you can't eliminate work, but what about consolidating your home phone to your cell phone? You'll never be stuck in a power outage, and you'll have to check one less location for messages. Besides are you ever home to answer anyway? Many cell phone plans also include free long distance, so you'll be saving money on that as well. While you are at it, consider consolidating your multiple email addresses. It isn't necessary to have more than two unless you are playing with aliases. At the very least have all your email addresses forward to the same location. You'll also want to be sure you have a spam washer/blocker in place to eliminate the tedium of wading through hundreds of junk emails.
Better living means hiring others to do what you don't have to. Use a courier service to ease both your workload and personal errands. There are also concierge services (mentioned earlier in this article) that can help. It is often amazing how much time we lose running errands, just to pick up a prescription, get film developed, take care of shoe repair, and more. Explore ways that will save you the time and be a wise investment of your money. Once you put a dollar value on your time, you will suddenly realize that if it takes you an hour at $100, and you can hire someone to do it for $20, that you can't afford *not* to hire someone to do your errands for you. And you'll have your time back so you can focus on more meaningful work or play.
Better living is about celebrating this life we are in everyday! And when you really want to blow it out, do it the easy way. Avoid all the dirty work and hassle of a party. Hire a butler, party planner, or caterer. These talented specialists can do it all, from facilitating your food presentation and clean up, to actually bringing it all in and doing it for you. As a designer I often work with clients on party set up, d'cor and even refer the caterer and butler. Just ask! Don't wait to have a party because it's too much work. Know who to call to make it easier.
Sometimes shortcuts mean giving up something you might even enjoy, but just don't have the time to do, like gardening or landscaping. While I do find it relaxing and fun, it also gobbles up an incredible amount of time. So consider taking the parts that aren't as fun, like mulching, and hire a high schooler or college student to take care of basic landscaping. I'm not talking about the stuff that needs a trained eye, but essential weeding, mulching, mowing and laying of pine straw or bark bits can all be delegated. You can still do the pruning and planting if you have the time and inclination, but the rest can be farmed out. Think carefully about the mix of plants you have or want, and go for an easy maintenance, low care yard that's big on impact. It doesn't have to be difficult to look good.
When you've implemented some of the shortcuts, you should have more time to pursue your personal dreams and visions and to just relax and enjoy life. We only get one chance at this, so make it count and make it fun!
Both Cheryl Johnson & Melissa Galt are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
Cheryl Johnson has sinced written about articles on various topics from Debts Loans, Finances and Credit Cards. Cheryl Johnson is a mother of four on a mission to become debt free. As publisher of Simple Debt Free Living at she hopes to. Cheryl Johnson's top article generates over 673000 views. to your Favourites.
Melissa Galt has sinced written about articles on various topics from Interior Design, Kids and Teens and Home Improvement. Melissa Galt is a Lifestyle Designer and Speaker based in Atlanta, GA. She hosts a series of blogs on design tips and trends and produces a monthly ezine dedicated to helping subscribers design their signature life. For the latest teleclasses, seminars, a. Melissa Galt's top article generates over 49500 views. to your Favourites.
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