What does it take not to be in debt?
Answer: It takes only using money you already have. It means spending only the cash you currently have in your hand (or in your checking account).
Not the cash that you will receive tomorrow, not the cash on payday, or as soon as your employer pays you- only the cash you have today.
It can be very hard at first. But it is entirely possible. And becomes easier with practice.
You may not be buying so much. It maybe that you may have to curtail shopping for a bit... because you discovered that you've been using revolving credit to buy most of your stuff!
Focus of paying things off. And it gets simpler because less of your money is spent on paying off debt. The fact that you have more money at your disposal makes things simpler.
It takes a permanent change in behavior to get out of debt. It entails solely using funds that you already have.
You can choose not to be in debt if you so desire.
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I am not a financial adviser. This article is not meant to be financial advice. My articles on cryptos and precious metals share my personal opinion, experiences, and general information on cryptos and precious metals.
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