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Step 4: Stop Spending
The quickest way to get yourself back on the right path is to stop spending. Use these suggestions to help cut back so you can move forward!
- Don't carry credit cards in your purse (only debit/ATM)
- Write checks, pay cash
- Turn down credit line increases
- Create specific funds for special occasions, like holiday presents, vacations, anniversaries, etc.
- Tell friends what you're trying to do to rally support
- Don't run up bills you can't pay in full at the end of the month
- Pay credit card bills on time to avoid late fees
- Make no more than one ATM visit a week
- Don't be seduced by credit card offers such as airline miles
Please note: This is general advice. You should consult with your own financial advisor before making any major financial decisions, including investments or changes to your portfolio. Harpo is not responsible for any losses, damages or claims that may result from your financial decisions.
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