DEBT DIET

Have you ever heard the say; you can wonder into debt but, you can’t wonder out?

Well! Getting out of debt is like going on a diet—it may sound simple, but it sure isn’t easy. The only thing that really works is to spend less and save more.

Debt doesn’t benefit nobody, it doesn’t benefit your life, it doesn’t benefit a marriage or a family or your future. Just as in the past few years I’ve experienced the satisfaction of being fitted, I have also eexperienced the pain of being overweight. It has been a rollercoaster and emotionally draining! Is so much alike that debt also has its consequences. Here are a few reasons I think everyone should avoid debt:

  1. Debt makes you a slave/servant to your lender.
  2. Debt steals from your future.
  3. Debt hinders/makes it impossible sharing with others and practicing generosity.
  4. Debt erodes resources through high interest payments.
  5. Debt promotes impulse buying.
  6. Debt is like money leaking from your pocket or bank account
  7. Debt compromises your retirement
  8. Debt is like having winter all year round
  9. Debt controls your money not you.
  10. Debt is NOT sexy.


The number one thing we recommend to start you on a debt diet is having a game plan.

My amazing husband, Anuar, and I have experienced the incredible miracle of being freed from $47,000 in consumer debt. We purposed to get out of debt and made immediate changes in our lifestyle to accomplish this, and within two years we were debt free! Funny thing is, like I said; you can wonder into debt or even sometimes debt can creep up on you. Murphy has a way to make his way. No, sometimes you’re not even looking to getting into debt but, I guarantee you, if you don’t always have a plan for your money someone else will. We made up our minds, made a decision, prayed for God’s help, and found the strength we needed keep the commitment to become and stay debt free. Thus, the first step is to decide to become debt free and determine to do it God’s way. Read, how to payoff debt with a low income

Get on a budget.

We cannot stress this enough! We have tons of resources and ideas available here on our blog to help you with this, feel free to explore around and get in touch with us let us know how we can help and serve you best!

Write down your debt on paper from smallest to largest. Make a chart with the amount you owe on it, add to your monthly budget the amount you’re planning to pay each month, once you have processed that payment go back to your chart and make the changes.

We believe that following a regime will help you stay in charge but, more importantly will help you get out of debt a lot sooner. Read, the silliest thing I did to payoff debt.

What other plans have you implemented to get out of debt?

Have you ever been on a debt diet before?

leave us a comment or connect with us we would love to hear from you.

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5 Simple Ways to Jumpstart Your Funances

Sometimes we feel like our finances are on life support. I know! I been there. It seems like there’s little hope of the situation improving, I want to provide you a little ray of sunshine by showing you 5 easy ways to Jumpstart your finances.

  1. Start Giving More

I know what you are thinking, how can you jumpstart your finances by giving your money away!  Trust me this step is by far the most important and Truth be told, getting onto a healthier path with your finances has less to do with knowing what to do and more with doing what you know.  If you truly believe that God is able to provide for your needs, then you acknowledge that by giving back to God.  If you truly believe it is better to give than to receive, once again, you demonstrate that by giving to others that are less fortunate.  Your money attitudes are crucial so by learning to give first, you will have no choice but to learn to live on less and that is the cornerstone of personal finance. 

       2. Start Tracking Your Spending

There is no secret that people who don’t run out of money at the end of the month are the ones who spend less than they make.  Keeping a spending journal for two weeks can really make a big difference in your spending patterns.  I think most of us know how much we make; the problem is that many of us have no idea exactly what we are spending each week.  If you want to spend less so you can save more and pay off debt, you must know what you are spending your money on and then decide what expenditures you can eliminate or reduce.  Consider using cash for two weeks instead of using your credit cards or debit card.  I have heard that it hurts to break a $20, so maybe using cash can help you to start spending less of your hard earned money.

        3. Start Knocking Out Your Debt

Don’t be one of those people who justify their debt by thinking that as long as you can afford to make the minimum payments on your credit card you are ok.  You must start paying more toward your debt which will reduce the amount of interest you will pay over the life of that debt.  Also by paying more towards your debt, you will be able to pay that debt off faster so you can start putting that money towards your savings and start earning interest instead of paying interest.  Finally, do not be afraid to call your credit card company to negotiate a lower interest rate.  The worse that can happen is that they say no!

    4. Start Saving, Start Saving, Start saving

Between making excuses, having good intentions, or just breaking the promises we make to ourselves, it’s easy to understand how we oftentimes fall short of achieving our goals, but we have to start saving money now!  For our short term savings, consider opening a savings account at a financial institution different from where your checking account is (to make it a little harder to get to) and set up a bill pay or draft where you pay yourself each month before you pay any other bills.  In addition, start putting money away towards retirement because retirement isn’t a question of if, it is a question of when.  If your company offers a match where they will contribute a certain percentage of pay if you are setting aside some of you earnings into a company plan, you are leaving money on the table by not taking full advantage of this benefit.  For example, if your company will match $.50 of every dollar you set aside into your 401k up to 5% of your salary, by putting anything less than 5%, you are basically saying no to free money.  The last simple tip when it comes to saving is this:  saving something is better than saving nothing and whatever you have been saving, start saving more

   5. Do it again

One way of improving and keeping yourself accountable, is by constantly checking your commitment to progress. Don’t and I mean don’t ever relax to the point where you think you got this and you will stay the course, often times when we get used to a way of doing things we relax and forget to stay consistent, and sometimes we even do not see the big deal until we find ourselves in the same or worse situation. Make it a life commitment to give more, spend less, pay off debt and if possible stay out of debt! Remember what the Bible says: the borrower is a slave to the lender. Keep out of debt! Save, save, save, save and finally do it all over again, do it again.

leave us a comment or connect with us we would love to hear from you.

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