It’s New Year’s Eve and a time for resolutionsÂ It’s a time for fresh starts, for new commitments, for laser-sharp focus on all of our ills.
It’s no better time than the present to make a plan right now, but since this particular right now coincides with the new year, it’s an especially good right now.
What is the one specific action that you could start right now that would help you reduce your debt? It doesn’t really have to be big; in fact, the simpler, the better.Â Maybe you’ll pack your lunch one more time a week, and add $10 per month to your credit card payment.Â Something manageable, something easy, and something that you can stick with.
It doesn’t have to be the last thing you do toward your debt reduction.Â Hopefully it won’t be.Â But a plan to do something very easy will lead to plans to do other things that will build upon one another.