Opting out

Tell friends and family you're opting out of the gift exchange this year because you're addressing your debt.

If you're embarrassed it should be about being in debt, not about opting out of gift giving.

Opting out is a must.
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Think back

Think back. Do you really remember every gift you ever received?

In other words, piling presents on the kids is going to be lost on them in the long run. While the memories of the gifts will fade, the damage to your personal finance can last forever.
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Don't spend what you don't have

The fact Christmas is approaching is no reason to spend money that isn't yours. Don't spend what you don't have. It's really that simple.
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Needs and Wants

Needs and Wants: Needs are paid for with cash. Wants are paid for on credit.

If you "want" something think of the interest you will have to pay. I hope you find you don't "want" it anymore.
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One dollar at a time

As a borrower you are slave to the lender. Refuse to be a slave and start the process one dollar at a time.


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No reason to over-pay for a vehicle

With all the resources available there is absolutely no reason to over-pay for a vehicle. There is Kbb.com or nada.com, just to name a few.

Let your top price be the amount you would get if you tried to re-sell the vehicle immediately after buying. This would be as a private sale, not trade-in. And. yes. this is a used car. Unless you have millions you have no reason to have a brand new car.
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Paid-For Christmas

"Paid-For Christmas"

Don't put one present under that tree that you haven't paid for in full. This is your life, take control.
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