How To Get Rid Of Debt Without Depriving Yourself by Suzette Jamieson

Have you ever wondered how to get rid of debt without cutting out all the fun in your life? Well, look no further because here are several ideas you can follow. By using a little imagination and getting a little creative, you can spend less without really "feeling" it.



Ultimately, in order to get out of debt, you need to decrease your spending, increase your income or some combination of the two and then funnel the savings to pay off your debt. This article will focus on the spending less aspect.



Understandably, many people don't like to admit they are in debt and so they don't want people to know they're making changes for that reason. No problem! One of the easiest ways to make cuts is by simply making a game out of any changes you decide to make.



Spend Cash Instead of Using Plastic



It's a proven fact that you spend less when you're spending cash than when you use a credit card. While it seems kind of silly, it IS true ... but you won't know until you try it for yourself.



For the next 30 days, put the credit cards away and only spend cash. Plan in advance how much you will spend and have only that much cash on hand. When you're out of cash, you just can't spend any more. What an eye opener that can be!



Whether you're at the grocery store or at the mall, stop spending before you run out of cash. If you run out of cash before the month is up, that's it for the month. So plan wisely!



Brag about what you're doing. Tell others that you are out to prove or disprove a theory. If you tell people what you're doing, they'll either try to prove you're wrong or they will end up keeping you accountable. Either way, use it to your advantage ... and prove that you really DO spend less when you're spending cash.



Challenge Others To Join You



Once the 30 days is up, challenge someone else to give up using credit for 30 days ... and then continue your cash-only spending so you can "give moral support" to your friend.



Then the next 30 days find someone else. Whether your friends want or need to get out of debt, spending cash instead of credit WILL result in anyone spending less overall. And if you take the right approach, you can all have fun saving money.



Start New Traditions and Different Ways Of Doing Things



If you get enough of your friends on the cash only plan, you will all start thinking of things you can do differently that will save you money so you don't run out of cash before the end of the month. You can exchange ideas and all benefit from everyone's ideas.



It's all in how you approach things. Instead of doing things the way you've always done them, open your mind up to doing things differently. New things can really be fun!



So once you start spending cash only, you will start to see some reduction in your overall monthly spending. Simply take the savings and apply it towards your debts. One by one you'll be paying off those old debts and before you know it you'll be out of debt! It has worked for many others ... it can work for YOU!


And if you're needing more creative ideas on how to get rid of debt without feeling deprived, the Dollar A Day system might be exactly what you need. Check it out at http://dollaradaysystem.com/ and be sure to sign up for the free mini-course to help you jumpstart your journey to debt freedom.


Article Source: How To Get Rid Of Debt Without Depriving Yourself