Change your lifestyle and your spending habits
One of my favorite quotes on hard work and change comes from Thomas Edison, who was asked about his successes in life. Edison said, “Opportunity is missed by most people, because it dresses in overalls and looks like hard work.”
I think this is a great place to start when you think about getting rid of debt once and for all. There’s about a million different ways you can tweak your life to move yourself toward being debt-free. You can make the process as comfortable or as strenuous as you want.
But be assured of this: there is a direct relationship between how much you are willing to change your lifestyle and spending habits, and how soon this debt will disappear. If you do it little by little, only a little bit will get done. If you are willing to make drastic changes, even delaying gratification in certain areas of your life, you can usually get all this behind you in two years or less.
How much will you need to change your life to get rid of debt? It all depends on how quickly you want to put all this behind you.