What is your accountability strategy? Is it this forum, a friend or seeing your numbers in the red/black. From the time that you made the decision to be debt free/get rich slowly, what changes have you made that are good for you financially? What do you need/want to improve on?
My debts are from emotional spending, the nice person syndrome, lack of discipline. I want to improve on my savings, investing and of course debt repayment.
I stopped browsing for clothes everyday online
. I stopped going to the mall or any shopping plaza every week. I make a list of what I am going to buy before I go to the supermarket or for clothes. Sucked it up and dealt with the cards I have to play with. Allow myself to enjoy what I have instead of looking at the next best thing. Took responsibility for my actions.
I need to improve on paying myself first and leaving it alone.
Stop creating things to do/spend if I see some cash in my checking account and payday is near. Allot myself a certain budget for eating out. Stop selling myself and my abilities short. Maintain positivity at all times.