by Cecile Cinco
Do you find yourself having to take some loan from friends, family, credit card or even from loan sharks? You do because you find that your income is always not enough for your everyday expenses.
Logically, to be debt-free means to spend within your limits. If it is not enough, have you tried to assess what you are spending for and separate the NEEDS from WANTS? Start spending for the needs only and when you have some spare, then prioritize from your list of wants. If you are single this will be easy to be decided on but if you have a family it is best to discuss it with the whole family so that everyone understands what is going on.
People have the capacity to survive. Oftentimes it is the willingness to do or not to do the debt advice that is blocking one’s success to be debt free.
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