The first step to becoming debt free, is facing the fact that you have debt and that debt means you are broke. In other words, you can NOT afford to spend money on consumer items. Of course you need to ensure that that your basic necessities are covered: food, shelter, health.
Six months ago, I came to the realization that if I didn't make a conscious effort to pay off my debt, then I would not be able to get out of it. In this video I reflect on where my debt spiral began and explain how I ended up with not one, not two, but eight different loans!!
Follow along with me as I embark on the ambitious task of paying off my debt in less than half the amount of time it would take to pay it off with minimum payments.