If you stop and really think about it, you could say that just about everybody has been in debt at some time or other in their lives. The problems that arise with this can either be negligible or so large as to take away your peace of mind.
In the end however, it is how we deal with the fact that we are debt, which matters the most. Since you are reading this book on how to get out of debt, I shall assume that you are in these circumstances where, somehow or other, you have managed to get into debt.
Now, whether it is debt that is easily payable, or something which you know will take you some time to pay off, is another matter entirely. If you are at a point where the only thing resounding in your head is your debt problems, then there is a good chance that you are somewhat in over your head.
However, none of that matters right now. What matters right now, is how best for you to get out of your debt problems and what you can do stay debt free.
This is where I come in. Having experienced firsthand what it can be like to be mired in debt, and up to my neck in financial difficulties, I have decided to put my past experiences to good use and put everything down in one place so that other people can also benefit from it.
So the first thing that I feel I should perhaps mention to you, is the fact that I am not anyone in particular, nor do I have anything to with financial institutions or the like. I'm an ordinary everyday kind of person, who just happened to find myself in debt up to my eyeballs, and in many deep troubles because of an unfortunate tendency on my part to spend indiscriminately and not keep to any kind of budget.
Alright, so not much has changed over the years, I still spend indiscriminately sometimes, and I'm still not very good at keeping to a budget. But the truth of the matter is that with the problems I had to face a few years ago, I have wizened up some, and now I know when to say 'No' to those things which I don't really need and which will only take up space in my home.
And although it's true that I don't keep a budget as such, it's also true that I don't use my credit cards either. They're merely there as emergency funds, and to help me keep my good credit rating.
And this is where all my experiences have come in handy. It is because I went through my terrible financial woes that I am now able to live as I do - within my means, and still able to live a decent happy life.
The trouble for most of us, I believe, comes when we think that we really do need all those gadgets and things to make our lives easier and that we just can't do without them.
These are the penalties we get for living in these times and although, yes there are many things out there which could make our lives that much easier, it's also true that we could do without many of these things, and still manage to live a happy life.
Just think about it, do you really need to have that signature cup of Starbucks coffee in your hand every morning to 'wake' you up before you go to your office? Do you really need to have freshly bottled water with you every day? And what about the pasta salad that is to-die-for at the little deli around the corner - do you really need that?
Do you need a blender and a juicer and a grinder? If you don't cook most of your meals what are these even doing in your kitchen? And if you prefer Starbucks coffee over your home brewed variety, then why do you have one of those fancy coffee-grinder-cum-percolator machines?
And let's not get started on that juicer you use only once a month because you normally visit the juice bar with your friends; or that bread maker which is sitting so cold and alone in your kitchen cupboard because the best bread that you have every tasted came from the bakery down the block?
In the end however, it is how we deal with the fact that we are debt, which matters the most. Since you are reading this book on how to get out of debt, I shall assume that you are in these circumstances where, somehow or other, you have managed to get into debt.
Now, whether it is debt that is easily payable, or something which you know will take you some time to pay off, is another matter entirely. If you are at a point where the only thing resounding in your head is your debt problems, then there is a good chance that you are somewhat in over your head.
However, none of that matters right now. What matters right now, is how best for you to get out of your debt problems and what you can do stay debt free.
This is where I come in. Having experienced firsthand what it can be like to be mired in debt, and up to my neck in financial difficulties, I have decided to put my past experiences to good use and put everything down in one place so that other people can also benefit from it.
So the first thing that I feel I should perhaps mention to you, is the fact that I am not anyone in particular, nor do I have anything to with financial institutions or the like. I'm an ordinary everyday kind of person, who just happened to find myself in debt up to my eyeballs, and in many deep troubles because of an unfortunate tendency on my part to spend indiscriminately and not keep to any kind of budget.
Alright, so not much has changed over the years, I still spend indiscriminately sometimes, and I'm still not very good at keeping to a budget. But the truth of the matter is that with the problems I had to face a few years ago, I have wizened up some, and now I know when to say 'No' to those things which I don't really need and which will only take up space in my home.
And although it's true that I don't keep a budget as such, it's also true that I don't use my credit cards either. They're merely there as emergency funds, and to help me keep my good credit rating.
And this is where all my experiences have come in handy. It is because I went through my terrible financial woes that I am now able to live as I do - within my means, and still able to live a decent happy life.
The trouble for most of us, I believe, comes when we think that we really do need all those gadgets and things to make our lives easier and that we just can't do without them.
These are the penalties we get for living in these times and although, yes there are many things out there which could make our lives that much easier, it's also true that we could do without many of these things, and still manage to live a happy life.
Just think about it, do you really need to have that signature cup of Starbucks coffee in your hand every morning to 'wake' you up before you go to your office? Do you really need to have freshly bottled water with you every day? And what about the pasta salad that is to-die-for at the little deli around the corner - do you really need that?
Do you need a blender and a juicer and a grinder? If you don't cook most of your meals what are these even doing in your kitchen? And if you prefer Starbucks coffee over your home brewed variety, then why do you have one of those fancy coffee-grinder-cum-percolator machines?
And let's not get started on that juicer you use only once a month because you normally visit the juice bar with your friends; or that bread maker which is sitting so cold and alone in your kitchen cupboard because the best bread that you have every tasted came from the bakery down the block?
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