Mirror Image: Want To Get Out Of Debt? Find Someone Else Who Already Did

Debt is a tiresome, brutal discussion that most people who struggle financially simply don't want to have. They understand that, for whatever and plenty of reasons, they're trapped under mounds of excess bills, various types of debt and income that just isn't covering expenses and haven't in quite some time. No one just happens to get in debt over the course of a few days or weeks. Considerable debt realistically mounts over time and is typically predicated on one bad buying decision or money misstep after another, in addition to living wildly beyond your means. Some of the less savvy money managers can find themselves in debt into the tune of thousands of dollars in a relatively short amount of time. Debt mirrors overeating to a degree in the sense that you keep telling yourself that tomorrow is going to be the day you start your financial or actual diet, but something keeps pulling you toward the mall or breakfast buffet, respectively. Breaking the cycle that is debt needs to occur gradually, rather than cutting it cold turkey. For those who have zero experiencing wiggling their way out of a huge sum of debt need not fret about the “x's” and “o's” but rather mirror that of those who have fought off debt and actually can declare themselves winners in a battle that few can claim triumph. What separates the successful from those who still can't seem to get it right when it comes to crawling out of debt is not only equal parts patience and persistence but understanding and acknowledging that you have a long road ahead, one that is going to be painful and not without its sacrifices. The biggest problem people in debt make is they continue to add to their debt, rather than make it a hard and fast rule to stop spending on anything that isn't deemed a necessity. That also includes cutting back on expenses first and foremost, including anything related to entertainment, food that isn't prepared at home or shopping that doesn't have the word “grocery” in front of it. And as asinine and childish as it sounds, those who have a positive story to tell as it relates to eliminating their debt aren't ashamed or afraid to do whatever it takes to chip away at what they owe. They may decide to cut all their credit cards in one fell swoop or even freeze them in a block of ice, just to deter themselves from using them at all costs. And amidst the craziness of freezing credit cards, debt crushers also put a sleeper hold the higher interest debt they have and attack that systematically first. Any person who struggles with debt could easily waive the proverbial white flag. Getting out of debt is hard. The easy part comes when you find that one person who managed to bring their total debt down to zero and pick their brain until the only thing left is a game plan that will allow you to do the same.