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Step1
Live by this powerful rule: if you can't afford it, don't buy it. It may seem easier said than done, but you'll be patting yourself on the back later if you live this mantra.
Step2
Save up for big purchases. Living completely debt-free means no loans, even for major purchases such as homes and cars. Steadfast saving and living without certain luxuries are a must to pull this off.
Step3
Pay off existing debt. Work with a credit-counseling organization if the task seems too big for you to handle alone.AKPK
Step4
Feel empowered, not punished. To live without debt is the freedom of relying on only yourself and owing no one anything. It can require a change in lifestyle, but if your priorities are in the right place, you'll feel positive and energized.
Step5
Seek out a friend or family member whose saving perspective allows them to live debt free. Ask them for tips and ideas on how to make this transition.
Step6
Be patient. In a world of instant gratification made possible through plastic cash and instant loans, you must wait and save before you acquire the new items you desire.
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