You don’t need to put your life on hold while you dig your way out of debt, and you don’t need to let your money (or lack of it) cause you stress.
Believe me, I did both of those things for way too long before I realized I was doing things the hard way.
So what’s the easy way, you ask?
Right now, you’re probably thinking that you’ll need to spend the next 3 years eating Ramen, pretending your jeans are ripped on purpose, and sewing up the holes in your socks until you’re out of debt.
Then, and only then, can you finally afford to live the life you’ve always wanted. Right?
Wrong! The secret to getting out of debt without having to eat dehydrated squares of crinkly pasta every night and playing solitaire by candlelight, is to create your dream life and start living it right now! No more waiting.
Follow these 10 steps to create a life you love and finally get out of debt.
1. Track your spending
First things first, you gotta start tracking your spending. Ok, so this step probably makes you groan, right? But in order to get where you want to go (debt-free), you need to know where you’re coming from.
2. Figure out what’s important to you
In order to create a life you love, you need to get to the core of who you really are and figure out what’s most important to you.
3. Compare your life to your values
Once you know what’s important to you, think about your life right now. Are you spending your time on the people, things, and activities that are most important to you and that make you wanna party like it’s 1999?
4. Take puppy steps (like baby steps, only cuter)
This isn’t a specific step to take. It’s more like a tip on how to proceed, but it’s really important. If you try to make a huge change or too many changes at once, you’ll end up walking right into that light pole that totally jumped out in front of you (um, yeah..). Take one small step towards your dream life at a time, and you’ll get there (injury-free).
5. Inject your values into your life
This is the fun part! Here’s where you get to brainstorm the ways you’re going to start inching closer to your ideal life, little by little. Yay!
6. Eliminate the bad stuff
In the last step, you came up with tons of stuff you want to include in your ideal, debt-free life, but now it’s time to decide what you want to leave out of your new life. Think of the things and people who bring you no joy, and make you miserable even. Make a plan to toss those things and people out of your life.
7. Clear the clutter
A cluttered life = A cluttered mind. Get rid of all the things in your home that you don’t use or that don’t fit into your ideal life. You need to clear your digital clutter too.
Clean up your computer desktop and get all those emails out of your inbox. All those files and emails in front of your eyes all the time stresses you out because they’re a constant reminder you have stuff to do.
8. Fund your dream life
I like to think of budgeting as funding your dream life, rather than cutting back on all the things you want. It makes budgeting much less painful. Yes, you’ll need to look for ways you can cut back and pay off your debt over time, but you’re also going to look at how you can spend your money in ways that will bring you the most joy.
9. Make a plan to keep yourself on track
Creating this ideal life does nothing for you if you don’t stick with it, right? And it’s hard to make changes, even good ones, so you need to make a plan to monitor your progress. Check in regularly to see how you’re doing and what changes you should make next.
10. Start living and loving your life and get out of debt!
This one is self-explanatory, and definitely the most fun of all the steps! Live a life you love, and leave all your money-stress behind!
So, now you know the 10 steps to creating a life you love while getting out of debt at the same time. In the following weeks, I’m going to go into more depth on each of these steps to help you take action!
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