The book says,
Do you needs to plan to get out of debt?
When you know where you are going, you can control how you get there. Start by writing down exactly how much money you have coming in each month and the sources of your income streams.
List all of your bills, starting with those that carry late payment fees or debts with high interest rates. Follow up with another list of your monthly needs.
Brainstorm low-cost ways to meet your financial obligations and needs, making your lunch instead of buying it, taking a thermos of coffee and forgoing the cup at the local coffee house, and carpooling instead of driving, for example.
Write the due dates of all of your bills on the calendar. Before you begin writing out checks, first pay yourself a small fixed amount to put into your savings. Live frugally but feel empowered as you watch the debt begin to shrink and your savings begin to grow little by little.
Just For Today: I will express gratitude for all the good in my life.
pic from toon pools
From the book: Live Happy