This is a guest post from my good friend Clair Schwan from Frugal Living Freedom. I hope you enjoy it and please go over to his site and check out all of the great information he has worked hard to provide you.
If you’re in need of help with your debt, you’ll likely need help with your approach to living as well. Debt doesn’t sneak up on us and capture us one day. It slowly creeps into our lives because we allow it to happen. Quite often our lifestyle has encouraged it, condoned it and promoted it. We are to blame.
Getting ourselves out of debt would appear to be the first and foremost concern. It is, but it can’t be our only focus. We also have to change the course of our life so we don’t get back into trouble with debt. We need a change in lifestyle so our debt solutions will be effective, and debt will no longer be a recurring threat.
I’m talking about making a commitment to a frugal lifestyle where you live with a clear understanding of the value of money, and you make your hard earned income provide a comfortable and secure life. I’m talking about a change in course for the rest of your life that will help provide you with peace of mind.
If you’re not willing to make changes, then expect debt to creep back into your life and rob you of the financial freedom that you deserve. Make no mistake, debt is a form of enslavement, and there are plenty of people whose aim is to get you financially enslaved to them.
It seems only fair with all the individuals out there hoping to financially enslave you that you would do everything in your power to stay out of the snare. The days of indentured servants, share croppers and slaves are long gone. There is no sense bringing them back again on such a personal level.
In order to change your lifestyle, you’ll need to start associating with people who:
• understand the value of money
• know the rules of “the money game” and play it well
• are satisfied with meeting their needs
• know how to plan for and achieve what they want
• have attained financial freedom and are debt free
To the extent that your association with financially successful individuals allows the “shine” of others to rub off, you’ll be pointed in a better direction. You’ll soon have better skills to keep you on track to financial freedom and peace of mind. It’s more than simply doing something different; it’s changing your mindset to support better planning and decision-making that’s in your best interest.
Clair Schwan offers the voice of experience at Frugal Living Freedom, a place where people come to learn about good stewardship of financial resources, frugal use of hard-earned money, living a more self-sufficient and self-directed life, and becoming debt free. Visit the site for encouragement, advice, recommendations, and an inside look at how frugal living can help provide you with the financial freedom and peace of mind that you deserve.