What would becoming debt free mean to you? Would it give you a feeling of relief and freedom that you were not existing with a figurative gun to your head? Would it mean that you could easily spend your available cash on the things you wanted without guilt? Think about what becoming debt free would mean to you.
Keep that image in your head of what becoming debt free would suggest, as you are going to make some hard selections. If you don’t keep the freedom image, you may need to …

Do you want to be debt free today? If you have the money in the bank, of course, you can pay off all of your bills. However, for most of us, being debt free today is more of a mentality than a reality.
Being debt free today means no mortgage, no auto loans, and no credit card bills. It means that everything you earn goes into your pocket for spending this month or for saving for the future.
In today’s consumer culture, that doesn’t seem likely for most people. …