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Yes, any kind of financial plan for investing and debt reduction is going to be a lifestyle change.

How can I say that? How did you get into the situation you are in currently, that you are now creating a plan to get out of? Let's ask Mr. Einstein what he thinks:

Insanity: doing the same thing over and over again and expecting different results.
--Albert Einstein

You cannot expect to change things, by doing the exact same things. Change is necessary and maybe should be embraced when you want good things to happen.

Don't be afraid of a lifestyle change, it doesn't have to be something big, it can be something simple. Don't buy your coffee for a month, and see how much money you save. That really is a lifestyle change.

I know the importance of lifestyle changes to get where you want. I lost 80 lbs. about 3 years ago, and I have managed to keep it off. No it wasn't easy, no it wasn't fun, but I also realized, that I couldn't go back to my old eating habits, if I wanted to keep the weight off. Don't make me post a picture of me in a swimsuit BEFORE I lost my weight!!! --C8j

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