Debt can be a real downer, especially when the people you owe it to keep calling day and night.

In order to get out of debt, you need to get in the right mindset. Here are three different mindsets that you need to start getting into.

It’s you or them

It’s a war between you and the creditor. You messed up and got into debt so they are winning. You now have to go on the offensive and attack that debt like it’s the last thing you’re ever going to do. They don’t care how you pay them as long as you do. Don’t let them control your life, sacrifice so you can set the tone and pay that debt down. It’s you or them, who’s going to come out the victor?

It’s now or never

When’s a good time to start getting out of debt? Now!!! Everyday you wait to tackle the debt you’re just digging yourself deeper in the whole to nowhere. If you wait, you’re just going to get more depressed and it’s going to be harder to get in the right mindset. There is absolutely no reason to wait. Just do it.

The Bare Necessities

No more going out, no more movies, and no more clothes. Yea, I said no more clothes. You have plenty to get you by, I promise. You need to cut back as much as you can and put that money towards debt. Yea life is going to suck for a little bit, but it’s going to suck even longer and a lot more if you don’t get rid of that debt.

You’re in control of your life, No one else. Take responsibility for your debt and take action today. No one ever succeeded without sacrificing a little. I’ll leave you with a quote by David Kenyon Webster

Those things which are precious are saved only by sacrifice.

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