Gæld kan næsten synes som en afhængighed. Det er som om når du starter, du ikke kan stoppe ved hjælp af dit kreditkort til at købe alt fra en ny sofa til din stue til de ugentlige dagligvarer og aften ud i byen. Gældskrisen får lov til at være så slemt, fordi du føler at du skal have disse elementer, men du ikke har penge til at betale for dem. Så kommer ud kreditkort. Så næste ting du ved, lidt kontanter du har går til at betale off din mindste månedlige betalinger på dit kort, og så skal du bruge dit kreditkort til at købe endnu flere ting at overleve.
Nøglen til at bryde denne gæld og at undslippe høje kreditkort gæld er at se problemet som netop — en afhængighed. Du skal tænke på din gældsproblem som en, du muligvis skal forlade “kold tyrker.” Eller hvis du siger, “Jeg har ikke så slemt et problem.” Så nødt i det mindste du til at lære at få din gæld under kontrol og bruge det i kun ansvarlige måder.
Den første ting du kan overveje, er din lønseddel. Bor du den legendariske amerikanske drøm — leve lønseddel til lønseddel? Dybest set, det er, hvad vores kultur får os til at gøre. Vi skal fortsætte med at købe gadgets, et større hus, en pænere bil, alle til at holde med Joneses næste dør. Det er en envejs-billet til høje gæld. I stedet ser på din lønseddel som din finansielle loft. Det kan synes svært at gøre, men i sandhed, det er, hvordan alle mennesker skal se det.
Ikke kun bør du ikke bruge over dette loft. Du skal bruge under det. Ikke besvime. Folk bor faktisk denne måde, så det ikke er umuligt. At ekstra penge du gemme hver lønseddel kan derefter gå til at betale ned din gæld. De mere alvorlige du er om flygter gæld cyklus, jo flere penge du vil gemme fra din lønseddel til at betale ned gæld.
Utroligt, gør dette til et tidspunkt, og du vil faktisk flygte fra under dine høje gæld. Det er så let. OK, måske er det ikke let. Men det er simpel matematik. Derefter, når du betaler ned din gæld, du kan hæve bar på dit forbrug, højre? Forkert. Det næste skridt er at gemme din ekstra kontanter for det legendariske regnvejrsdag. Så kan du faktisk begynde at købe dine gadgets igen — efter du spare op nok penge til at købe dem rene.

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