FOCUS ON THE BENEFITS

Have you thought about what it will be like to not owe anyone anything? Not one cent.

You may never be a millionaire (we wish!) but hardly anyone these days can even say they are debt free, but you could be.

So, keep thinking about what that would mean for your life. Imagine being able to use every cent that you earn for your own benefit. Never having to check balances and wonder if your payments will go off this month. No moving funds from one card to another.

Imaging never having to worry about scary collections calls, emails or letters.

Focus on these benefits, and you will feel more and more determined to stick with your goal to get out of debt.