If you are worried about going into debt – or worse, if you are wondering how to get out of debt, it is imperative for you to basically put a hold on your spending until you figure out just what you $3000 paycheck is getting spent on. If those birthstone bracelets or shoes are really that necessary, then we would all go broke paying for “necessities,” but the truth of the matter is that they are in fact, not – I repeat, NOT – necessities. You can go without them and you will not die, ergo, they are not necessary for you to function. You may thing that name bracelets and Vera Bradley hand bags are keeping you alive, but truly they are not, and believe it or not, once they are gone, you won’t even miss them.
Even giving extravagant gifts, like mom bracelets, or other fancy items, can make you take the plunge into credit card debt, and believe me, Mom is the last person that wants to see that happen to you – especially when you do it buying something for her that she doesn’t even need. So stop now, and put the earrings down, because though they are real silver and on sale for only $55.00, you don’t need them and you can’t afford them either. You need to put that $55.00 toward paying off your credit cards, or bank cards, overdraft loans, or wherever else you get money to fund these fanciful purchases. Get cracking and get debt free!