Act 92

Put that purchase in context.

It’s kind of a fun game. Would you rather have that latte or be out of debt. Would you rather have that new i-phone (even if they would just “add it to the monthly bill” – how convenient of them), or be out of debt.

Make your non purchases a purchase towards lowering your debt. It works. Ask yourself all the time. The answer is almost always that you’d rather be out of debt.

And not spending is a form of saving – even if it doesn’t quite feel like that.