Just Spend Less

Have you ever heard someone say it is easy to stay out of debt – just spend less than you earn. How does that make you feel? When I hear someone say that, it pisses me off!  First, it sounds arrogant and condescending and secondly, it insinuates that people with large amounts of debt are stupid.



Those who have debt, realize that they wouldn’t have any debt if they spent less than they earned.  Well, guess what? Those in debt already know that and telling them to do that does not help the present situation. If you can’t give helpful advice then don’t say anything.

There are so many reasons people end up in debt. A health issue is a big one even for those who live in Canada where there is publicly funded health care.  Having a stroke, heart attack or a chronic illness comes with extra costs. What do you if the government or health care plans won’t pay for these extra costs?  You find the money somehow.  The same goes for dental issues. Going to the dentist regularly is expensive. Even if you don’t have any major work done and if you have to have work done, it can wipe out your savings fast.


Or maybe a person got into debt because they were getting more education so they can earn more money and live a better life.  And a person still has to live as they are getting an education – in other words, they have pay for housing, transportation and food.

And talking about food – sometimes people are facing hard times and have to put food on a credit card. I don’t mean extravagant foods or going out for fancy dinners. I mean the staples.

Let’s face it, life can be expensive!


Those are only three ways that people can get themselves into debt without being spendthrifts. Many people with debt are not the ones with closets full of clothes that still have their price tags on them, three or more large televisions in their small home or pricey vehicles in their driveway. Many have gotten into debt trying to survive.

Are you ready to take control of your debt? Then sign up for my introductory Facebook challenge, 7 Days Towards Financial Stability Challenge. I will reveal the 5 Steps I've used to save myself over $400,000.00 in future credit card interest charges. Go here to find out more information:


https://karenmagill_0.gr8.com/

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