Are you trying to live within your means? To do so, priorities need to be adjusted. Living within your means is impossible as long as you are still using credit cards to cover purchases. At the same time, if you are paying off credit cards but going out to dinner or bars multiple nights a week is fruitless. All of that money could be used to reduce your debt. What is your priority?
Are you trying to save for a big purchase? The same rules apply.
Living frugally in order to obtain a financial goal does require some sacrifice. Does it mean you stop living completely? Not at all! There are frugal or free alternatives for almost everything. Whether it's catching a dinner out with a coupon to lower the cost or attending a free concert, there are a million ways to enjoy life while keeping your focus on your goals.
Stay focused, my friends!
Love,
Jerri
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