via thebudgetfashionista

• One: The Debt Effects - The Invisible Hand of Debt
• Two: Emotional Hostage - How Do I Get Free from Me?
• Three: Burn Rate - Spending, Not Income, Determines Wealth
• Four: Delayed Gratification - Don’t Wait to Get It
• Five: I Don’t Know About My Past - Buy My Future Is Spotless!
• Six: What If You Live? - Make Work a Stage of Life - Not a Life Sentence
• Seven: Real Estate - Buy Five Houses - Get One Free!
• Eight: Driving Your Life Away - Are You Driving Your Retirement into the Ground?
• Nine: Do I Have Records? - My Pulse Began to Quicken
• Ten: You Married Who? - The Ultimate Good Debt - Maybe

via thesimpledollar

1. Don’t get into debt. 
2. Spend less than you earn.
3. When debt is closed out
4. Take stock of all your liabilities
5. Have only one credit card
6. Build up an emergency fund first.
7. Cut up your credit cards.
8. Speak to a credit counseling service
9. Stop using credit cards to make it to the next paycheck. 
10. Don’t overpay your debts
11. Avoid eating out.
12. For entertainment,
13. Don’t pay off your credit card balance from the emergency account.
14. Look for expenses coming up
15. Make a budget
16. Snowball the debt 
17. Be on the same page as your spouse or partner.
18. Recognize your spending tendencies
19. Read Dave Ramsey.
20. Keep trying and don’t give up.
21. Stop spending!
22. Praise yourself
23. Find the tools that work
24. Change yourself.
25. Be realistic.
26. Create a realistic budget.
27. Eliminate.
28. Get creative.
29. Be patient.
30. Stop borrowing money

full list via zenhabits