As the time I am writing, I have $14,644 in debt. Comparing to $38,000 in this April, it is a great progress.
For the lessons I learnt along the way, I can say as follows:
- Cut up the credit card and promise never crank up any more debt
- Sell stuff. This reboots the spending system. I sold my luxury lv handbags and anything valuable in the house.
- Make a budget. Use envelope system. If anyone is interested in envelope system, I will write a post about it. If the budget is done, the spending is done.
- Spend cash on anything possible. Cash spending activates the pain center of the brain. So you automatically spend less.
- Work the ass off!!!!!!
- Squeeze every dollar that is not spent into debt.
And, that's how I paid off $23,000 in 8 months....And those habits are lifetime keepers.
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Want to promote your posts too? Send 0.05+ SBD or STEEM to @emperorofnaps to receive a share of a full upvote every 2.4 hours...Then go relax and take a nap!
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You got a 25.00% upvote from @whalepromobot courtesy of @xiaoshi!
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@xiaoshi purchased a 16.83% vote from @promobot on this post.
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You got a 57.12% upvote from @brupvoter courtesy of @xiaoshi!
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You got a 16.67% upvote from @redlambo courtesy of @xiaoshi! Make sure to use tag #redlambo to be considered for the curation post!
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You got a 25.00% upvote from @bid4joy courtesy of @xiaoshi!
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You have been defended with a 35.34% upvote!
I was summoned by @xiaoshi.
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