Plan for a plan b.
I think debt is often a go-to solution for problem solving. Something’s broken – pay for it on the credit card. Something’s needed – use the line of credit. Couldn’t help it. Needed doing. Debt is the cost of living. Or so I might have thought once upon a time.
If we just stopped and thought about it and offered ourselves a non-debt solution. I had two such issues recently. A repair – which absolutely must happen – in my urgency to solve the problem, I did think about using the credit card. But I took a deep breath and reached out to someone who knows more about the issue than I do. Might have saved me a bundle. At least I have another option to contribute to solving the problem. Then I had a purchase, which was much needed – but before I lept into it – I came up with a plan b. It will take more time, but it will cost me nothing.
If you’re going to get out of debt, you have to believe in your ability to come up with a plan b, or as I know like to call it, plan be out of debt.