Personal Finance....

A few helpful tips I picked up the past year on my debt-free journey:

• ·       Establish and stick to a zero-based budget: Planning how to spend every dollar forces you to make good decisions about what to do with your money.
• ·       Use cash as much as possible: Handing out paper is way more painful than using plastic.
• ·       Track your net-worth: It’s a more positive way to look at eliminating debt. Subtract your debt from your assets and see how you progress, month to month.
• ·       Let your money goals segue into other areas of your life, like getting into shape or improving your standing at work.
• ·       Celebrate: Each time you pay off something big, reward yourself.
• ·       Have an accountability partner or group: Telling others of your goals can be incredibly motivating.
• ·       Side hustles: Look for opportunities to sell stuff you don’t need or do some side jobs to generate extra cash to throw at debt.
• ·       Use FSAs and other tax shelters to keep more of your money.
• ·       Avoid additional debt when you are trying to get out of debt.
• ·       Give, give, give, give…..