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Let's wrap up this week's topic of the essential and permanent lifestyle changes that are going to be needed to be successful in your debt reduction plan.

In hindsight, you'll thank yourself for making these changes, but during it, you most likely are going to really hate what you are doing, and it is going to be annoying at best, if not painful at times too. Remember how long it took you to build up this debt, it is not just going to evaporate like the morning dew, you are going to have to work at it, every day, and some days are going to be better than others, but it is a journey, not an end point. Your goals are what you must keep in mind, every time you grumble about how you wanted your morning cappucino, or not buying your wife the diamond pendant for Christmas for $1000 (and instead putting that money on your line of credit).

Keep at it, you can do it, if you give yourself a chance, but remember if it was easy, then nobody would be in debt, now would they? -C8j

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