How to Get Out of Debt

So how do you live on Less, GET OUT OF DEBT and Get ahead? Here are my tips!

1. Record your spending (plan your paycheck) write down everything based on your expenses
   1. What is your income vs. your expenditures IS THERE GAP??
2. GET BACK ON TRACK
   1. Meal plan and make cheap meals or cook off the shelf and pack a lunch (pasta and sauce, mac and cheese, rice and beans)
   2. Declutter and sell things (craigslist, ebay, things you don’t use anymore)
   3. Use cash for any miscellaneous spending (you may need to do this for a few weeks)
3. LOOK at YOUR SPENDING CLOSELY
   1. Where can you cut back (coffee, insurance, entertainment?)
   2. ADD UP all of your debt (take a deep breath)
4. KNOW WHERE YOU ARE:
   1. ADD UP all of your debt (take a deep breath)
5. KNOW WHERE YOU ARE GOING:
   1. LIST YOUR debts from SMALLEST to largest
6. CREATING YOUR VISION MAP and ROUTE:
   1. Make a specific debt for paying off that smallest debt
      1. 1. Easy ways to make some money to pay off the smallest debt
         2. Then take the debt you used to spend on that one small debt and pay off the next largest debt (debt snowball)
         3. PAY minimums on everything else except the one you are paying down
         4. YOU WILL GAIN MOMENTUM and PAY THINGS OFF QUICKER….
7. STAY MOTIVATED:
   1. Create a vision board
   2. Debt free printable
   3. Post it notes with encouraging words
   4. Online communities (LIKE MINDED) BLOGS, VLOGS, BOOKS, VIDEOS
   5. Find whatever will help you to stay motivated….so what motivates you?