Straight Talk on Debt: Get Financially Fit this Year!

Yesterday marked the start of month three in 2012. Many of you most likely made resolutions to get out of debt, save money, or boost your income at the start of the year. How are you doing so far?

I have to be honest I have already had a few setbacks, and failures but, I am not going to let them stop me from reaching the financial goals I have set for myself. Debt is Over

Success in financial fitness has everything to do with you! The decisions you make—mind over money, the goals you set—getting out of debt, and creating your own financial success.

You can do it, 2012 can be your year despite setbacks and what is going on around you. This week’s reading is sure to keep you on track and help you make decisions you’ll be proud of.

Mind Over Money

Identifying and Removing Financial Toxins @applecsmith "Your heart has to be willing to change, and your ears open to hear. This same principle applies to personal finances. If you’re looking for a "get rich quick scheme" your attitude is completely wrong. You won’t make a change unless you’re willing to break the cycle, and willing to make the sacrifice to see the results you want."
When Do You Walk Away? @sooverdebt "What happens when there IS no good advice out there for your situation? Where do you turn when you’re so frustrated, you’re ready to just give up? Maybe you have to choose between paying two equally important bills, or you need to decide whether or not to pursue a dream. The pressure of deciding what to do can be enough to drive a person crazy. All of us have breaking points – do you know yours?"
Financial Stress of NOT Living Within Your Means @AllFinance "We all have those people in our lives. The people that complain that they never have enough money or are always down in the dumps because they are short on funds . However, when you look at their lifestyle, isn’t it easy to find many things they waste their money on."
Financial Planning in a Nut Shell @MoneyTalksCoach "To see the reason for each of the financial planning steps I’m going to explain the process backwards. The end game when it comes to financial planning is to become (and stay) independently wealthy. That sounds unattainable doesn’t it? But all that "independently wealthy" means is that you can retire. It just means that you have enough money the bank, or coming from investments, that you don’t have to work for money anymore."
The Rules of Improvisation That Will Change Your Financial Life @debtfreeby30 "The first rule of improvisation is to AGREE. Always agree and SAY YES. Start with a YES and see where that takes you."

Get Out of Debt

Is Debt Really Slavery? @enemyofdebt "Some people might say that slavery is a serious word and does not apply to debt because there is still an element of free will, even when you are in debt. That might be true."
Getting Out of Debt is Like Using a Public Restroom @sooverdebt "Sometimes, though, paying attention to your finances can be a major source of relief. If you’re desperate enough, you’ll ignore the ick factor and just get it over with as quickly as possible. That’s the best way to do it – put your feelings aside, do what has to be done, and feel better about life once it’s over."

Create Financial Success

Overcoming the Shopping Monster in You @jonharules "I have been faced with the problem of not being able to save money for the rainy days because I was earning just enough for our daily expenses. I was working while I was studying without anyone to depend to because my mom was widowed since I was in high school. We were both working so hard to make both ends meet and pinched every penny we can. While I may have the desire to save money then, I just couldn’t."
How to buy a car with bad credit…Get a loan and then GET OUT of the loan! @NewCarCoach "But life happens, and when you need a car now but have poor credit, here are your options."
Pinterest as a Vision Board @MoneyCrush "Pinterest can be used as a tool in reaching your financial goals."
Tax: It Doesn’t Have to Be a Dirty Word (GoGirl’s Guide To Taxes) @GoGirlFinance "It’s infinitely better to be informed about something that plays such a large role in how much you can spend and save every year— no matter how dull or daunting the tax system may seem."
How I Save Money by Spending More of it at the Grocery Store @debtfreeby30 "I know that sounds a little confusing because most of the time I am looking for ways to save money at the grocery store. But lately I have been spending more money at the grocery on the "little things" to help save money in other areas of our spending."

Suzanne Cramer

Suzanne is a certified credit counselor and a Social Media Specialist for CareOne Debt Relief Services. Suzanne writes for Divorce, Debt and Finances and A Straight Talk on Debt. Follow Suzanne on Twitter @SuzanneCramer1 and @AskCareOne where she shares her insights on divorce and managing your finances.

Straight Talk on Debt: Get Financially Fit this Year!

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