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Don't Wait, Find
Your Debt Comfort Zone
If you're in debt, you're not alone. Consumer debt in America is at an all-time high. It's important that everyone know their own
"debt comfort zone" and understand that it can change at different times during your life. It's especially important to take
responsibility for our money as we face life events like: retirement; caregiving for elderly loved ones and spouses; and changes in
our own health and abilities.
No one wants to be retired and deep in debt. There are some basic steps to help motivate you. You may be scared or overwhelmed. That's natural.
But don't wait. Taking charge of your finances will make you feel better — you'll have less worry and anxiety.
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#31 Admit the Problem
If you feel deep in debt, admitting it may be difficult but it's important to tackle any problem early before it gets out of control.
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#32 Write it Out
Do you actually know how much debt you have?
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#33 Think Three Years
Reducing debt is like losing weight.
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#34 Cut and Heal Spending
The best way to save money is to stop spending it.
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#35 Just Walk Away
You don't have to add to your debt load with additional purchases.
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#36 Bring in More
If you can reduce spending, you can also bring in more money.
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#37 Ask for Help
If you're in over your head and having a hard time making changes, get help.
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