5 Ways To Remain Debt Free (So You Won’t Be BROKE) – Part 1

5-Ways-To-Remain-Debt-Free-(So-You-Won't-Be-BROKE)---Part-1You know what they say about the best way to get out of debt: The best way to get out of debt is to never get into debt.

Actually, they don’t say that (whoever “they” are), but that doesn’t mean it isn’t true. (Because, trust me, it definitely true.) No one likes to be in debt. It sucks for your lifestyle and it also generally makes you feel like crap.

If you don’t want a mafia enforcer banging on your door to collect what you owe or find yourself piling on credit card debt, do whatever you can to stay debt free. Here are three ways you can do just that.

mafienforcerMafia enforcer at the gym… wow, that’s really scary.

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1. Keep Track Of What You Spend

broke10Keep track of it!

You do not need to track every little thing you spend money on for the rest of your life, but it can be useful to spend a month or two doing just this—you might be surprised where a lot of your money is going.

There are a lot of things you could be wasting money on without even realizing it. Maybe you’re going out to dinner too often or maybe you’re buying too many scratch-off lottery tickets.

There is also a chance that you know you are wasting money on something, but do not want to acknowledge how much money you are really wasting on it. For example, you might know that you are buying more new clothes than you need, but unless you start to keep track of how much clothes you are really buying in actuality, you will not truly grasp what you are spending money on. If you do not understand where your money is going, there is a good chance that you will fall into debt and get yourself into lots of trouble.

I know where your money is going.

broke6Keep track of it or you’ll lose your mind

There are plenty of apps you can download to track your money. I downloaded one and used it for a month or so. One thing I realized was that I was spending way too much money on food; little things, the slices of pizza, the subs from the deli, added up more than I realized. Knowing this helped me better allocated my money going forward and can help you similarly.

Even if you do not want to go so far as to download an app on your phone or computer, it is a good idea to start to keep track in some way where your money is going because it could definitely surprise you. You will not know where or how to cut down on your spending unless you know exactly what you are spending and what you are spending it on.

2. Don’t Waste Money

broke11Women waste your money

This is actually easier said than done. You have to admit to yourself how much money your really making and deal with it. There is a difference between wasting money and spending money. You might spend money on things that you need. For example, it is necessary to spend money on groceries so that you can eat. (How much money to spend on such a purchase is something different that should be considered separately.) Wasting money is when you spend money but it is on things that you definitely, one hundred percent, do not really need.

Basically, you are not getting a good return for what you are spending.

300$300 is all this woman needs

For example, if your friends are headed down to the casino for a night of gambling and partying, if you really don’t have the cash to spend, you should really not go. This is tough and requires a lot of self-control, but it’ll save you from falling into debt.

It is never fun to be the friend who cannot spend as much money as the rest of the crew when you go out, but you must realize what your situation is. If your situation allows you to spend lots of money, then you can be free to spend a little bit more. (However, you should be careful not to spend too much as you may need the money later on when an unforeseen expense arises.)broke12Is this you?

 The bottom line from Rule No. 1 and No. 2: Watch what you are spending! Manage the money that you do make and recognize where it is going. Allocate! You should be able to know exactly how much money you are taking in and exactly where it is going. This will help you stay out of debt.

Click Here For Part 2 Of The Article ->

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