Intelligently against

You can't argue intelligently against getting out and staying out of debt.

Note, I didn't say you couldn't argue the point.
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What can I afford to drive?

If you only have enough money to buy a beat up, on its last legs car then you know the answer to the question, "What can I afford to drive?," don’t you?

Don't ask the car salesman what you can afford. You can just leave your checkbook in his hands if you ask him.
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Know the rules

Realtors earn a percentage of the total selling price of a house. The bigger the price the more they get paid. So why ask a realtor how much house you can afford? Think about it, please, and know the rules of the game you are playing.
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Life happens

Tires wear out. Cars breakdown. Homes need repair. These are not emergencies. Life happens.

You can't think of everything but you can plan financially for most of it. Set up separate funds for these occurrences. Homeowner association dues, car insurance, newspaper delivery, all these bills are coming so make sure you can afford them before they arrive.

It's all about being prepared and at peace financially.
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Today.

Today.

That is the only choice you have.

Today is the day you begin to get yourself out of debt and only you can do it.
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Justify paying more

There is absolutely no rational person on earth who can justify paying more for something than it’s worth just so they can have it before they own it. Don’t be irrational.
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Debt Snowball

The best way to pay off debts is the Debt Snowball. (Thanks, www.DaveRamsey.com).

I like the little to big balance theory. Don’t pay attention to the interest rate, we are after momentum and progress.

Pay off the smallest balance first, then roll the amount you paid on that balance to the next one. See, it snowballs and the payments get bigger and bigger and the balances get smaller and smaller.
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