18 April 2009

Tip of the Day April 18, 2009

No debt today

Take one hour at a time today so you can have 24 hours without adding to your debt. Tell yourself 'I will NOT go into debt today' and repeat each time you are tempted to spend on something that is not covered in your budget. Chances are, when debt is not an option, you will find ways to get what you need, or discover that what you thought you needed was not really necessary at all. We haven't used credit for fourteen years (apart from our mortgage) and we haven't used a credit card since we were married (20 years and counting) and we don't miss it. We live by the creed of 'if you can't pay cash, you can't afford it.'

So today, try to not increase your debt at all.

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