Getting Serious

Seriously!  Get serious and start planning your finances out!  If you are single this is much easier as you only need to convince yourself.  If you are married or in a very serious relationship you both have to be on board or it will never work!  My fiance and I went back and forth on the idea and it took awhile to get her to understand, but when she did it was all gravy implementing the plan.  

She loves to go out for dinner, many quick mini vacations to different cities (Denver, Kansas City, etc) and missing that bums her out everyonce in awhile... but deep down she knows it is for the greater good.  Live like no one today so you can live like no one else tomorrow.  In other words don't go all out when you are young and take care of that debt and when it is gone you have freedom to do whatever you want!  

Start thinking about change.  It doesn't happen over night and it is difficult giving up some of the fun things you do.  There are plenty of other fun things you can do for cheaper.  You just have to be creative.  Be smart, be serious, and BE DEBT FREE.  It doesn't happen in a snap but over time you can have much more fun in the future.