Nobody likes that word. Budgets hurt. They’re limiting. They make us feel poor.

They’re necessary.

If you’re in debt right now, the reason you are is that you didn’t write a budget BEFORE you started cranking up those credit card balances.

If you’re in debt, and don’t have a clue how to start getting out of that hole, CONSIDER THIS. It’s one of the steps I took to get out of debt.

If you’re newly out of debt, you need a budget to KEEP yourself out of debt. It’s not that you can never use a credit card again – you just have to change your mindset about what money and cards ARE to your budget.

They are not a way to have it now and pay for it later – that’s how you got into debt in the first place. Money and credit cards are TOOLS. They help you budget your income so you can get AHEAD.

Unless you want to be right back into debt hell again in short order, it’s time to change your spending habits. Follow these steps along with me, and before long, you will be pre-paying next year’s expenses with this year’s income, and you won’t feel deprived.

You’ll feel relieved.