4 Steps to Securing Financial Freedom

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Want to pay off debt fast? I know, I get it. You’re thinking there’s no way to pay it off fast but I’m here to tell you that I can give you ways to pay it off quicker than you can imagine.

I also understand that you’ve probably been living with this debt for a very long time. Not many people get into huge debt quickly, it’s usually a gradual thing and next thing we know we’re in debt. Maybe’s it’s a couple hundred or several thousands, but we can all get ourselves out of debt.

It will take determination so if you don’t think you have that, you may want to stop reading. If your heart and soul aren’t into getting rid of your debt, there isn’t anything I say or do that will push you to follow through with these steps. I’ll be honest with you there. There’s no sense reading this if you aren’t going to do the work.

Now, how can you pay off your debt? Faster than you ever thought possible! Let’s keep reading.

 

This post may have affiliate links. This means I may earn a commission should you choose to make a purchase using my link.

 

Call Your Bank / Credit Card Companies

 

I know what you’re thinking, what will this do? But I know for a fact what it will do. They will work will you the best they can. They want to help you. But you have to call to find out. There is no shame in calling and you have nothing to lose. And here’s what you can ask for:

Can your interest rate be lowered?

Is there a lower rate or 0% financing available on balance transfers (if you owe money in other places)?

Can debt be consolidated and a payment plan be started?

Bottom line, your bank wants you to succeed. They want to help. And you have no idea what your bank or credit card company will say so give it a try. It never hurts to ask.

 

Budgeting

 

Now, going forward, you will need to setup a budget and stick with it. If you keep spending beyond your means, you’ll never get ahead. You’ll need to stick to the limits you’ve setup for yourself in your budget so you can start seeing progress with your debt.

 

Related: 8 Simple Ways to Stop Impulse Buying

 

 

 

Open Communication

 

This is key. If you and your partner aren’t on the same page when it comes to your finances, nothing will work. My husband and I discuss all of our purchases over $100. Now, this does not include amounts that we spend to run our home and feed our family. We only ask each other on things we personally want. We respect each other and our finances to communicate anything that falls into this category.

Now, knowing my husband and my personalities, this is usually interesting. Following the popular book, “The Four Tendencies” by Gretchen Rubin, I am an Obliger and my husband is a Questioner. With my personality, I pretty much go along with what he wants to get within reason. On the other hand, with his personality, he questions everything so if I want to buy something that fits within those limits that we’ve set, I have to be ready for his line of questioning. But I also know that it’s part of his personality so it doesn’t bother me. And recently, although this goes against my personality, I’ve started to question some things my husband wants to get so we always have our money as our best interests.

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Be Honest With Yourself

 

You’re going to have a difficult time saving money if you’re a spender. Sorry that was blunt but that’s the reality. Your budget will tell you what you can spend money on and how much and you need to stick with it. If you don’t, you’ll be blowing your chances of paying off your debt earlier. Be honest with yourself and know your limits. The more you can control your spending, the easier it is to not spend money. Spend less than you make and you’ll be set to paying off your debt.

Related: See How We Saved Over $10,000

 

Final Thoughts

 

Buckling down to paying off debt isn’t fun. It’s no picnic when your strapped for money but staying in the debt you’re in isn’t a picnic either. Once you get control of your finances and start paying off your debt, you’ll see the progress you’re making. That will give you the motivation to keep going and doing what you’re doing. Keep pushing every day to paying off your debt and eventually you’ll get there. And then you can reap the rewards when you are DEBT FREE!!!

It’s there and waiting for you. You just need to commit to following these steps until you reach financial freedom. Here’s a recap of those steps again.

Call your bank
Start a budget and stick with it
Communicate with each other
Be honest with yourself

No one will do this for you, you have to take control of your finances and actively work to pay off your debt. And you can do this, I believe in you! You wouldn’t be reading this if you didn’t want to change. Go after what you want!

Tell me, have you ever tried paying off debt before and failed? If so, why did you fail?

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DON’T FORGET TO SHARE OR PIN THIS FOR LATER!

 

 

4 Steps to Securing Financial Freedom