I know it can be scary to make the leap. I’ve heard many of the excuses (and had some of my own) for not taking control of my finances.
Objection #1: You need debt.
My family is living proof that no, you don’t need debt. We don’t have a single credit card and paid off just over $50,000 of debt in two years.
Objection #2: You need to make more money.
Yes, having more money is a blessing and can very much be needed, BUT if you keep waiting until you “make more money” to start managing your money, it won’t matter how much money you make because you’ll never have enough it. It will continue to control you.
Objection #3: Budgets are for poor people.
Wrong. Budgets are for everyone. I mean, would you want to work for a business that didn’t have a budget? Probably not. Because heck, they wouldn’t know if they’d be able to pay you or not. A budget simply keeps your money from controlling you.
Objection #4: I can’t own a decent car without a car loan.
Wrong again. YES, you can own a decent car without a car loan. It takes self-discipline to save up enough cash to pay for a car, but honestly, not having to make a $400 car payment every month is so worth it.
You can do this! It will take a lot of work and there may be times you might want to quit! But keeping your goals in mind, where would you like to be in your finances? I will provide you with every step you need to get there.