As the time I am writing, I have $14,644 in debt. Comparing to $38,000 in this April, it is a great progress.
For the lessons I learnt along the way, I can say as follows:
- Cut up the credit card and promise never crank up any more debt
- Sell stuff. This reboots the spending system. I sold my luxury lv handbags and anything valuable in the house.
- Make a budget. Use envelope system. If anyone is interested in envelope system, I will write a post about it. If the budget is done, the spending is done.
- Spend cash on anything possible. Cash spending activates the pain center of the brain. So you automatically spend less.
- Work the ass off!!!!!!
- Squeeze every dollar that is not spent into debt.
And, that's how I paid off $23,000 in 8 months....And those habits are lifetime keepers.
You got a 25.00% upvote from @bid4joy courtesy of @xiaoshi!
You got a 25.00% upvote from @whalepromobot courtesy of @xiaoshi!
You got a 57.12% upvote from @brupvoter courtesy of @xiaoshi!
Congratulations @xiaoshi! You have completed the following achievement on the Steem blockchain and have been rewarded with new badge(s) :
Click here to view your Board
If you no longer want to receive notifications, reply to this comment with the word
STOPDo not miss the last post from @steemitboard:
You got a 16.67% upvote from @redlambo courtesy of @xiaoshi! Make sure to use tag #redlambo to be considered for the curation post!
You got a 48.35% upvote from @emperorofnaps courtesy of @xiaoshi!
Want to promote your posts too? Send 0.05+ SBD or STEEM to @emperorofnaps to receive a share of a full upvote every 2.4 hours...Then go relax and take a nap!
You have been defended with a 35.34% upvote!
I was summoned by @xiaoshi.
@xiaoshi purchased a 16.83% vote from @promobot on this post.
*If you disagree with the reward or content of this post you can purchase a reversal of this vote by using our curation interface http://promovotes.com
Congratulations @xiaoshi! You have completed the following achievement on the Steem blockchain and have been rewarded with new badge(s) :
Click here to view your Board
If you no longer want to receive notifications, reply to this comment with the word
STOPThis post has received a 52.63% upvote from @lovejuice thanks to @xiaoshi. They love you, so does Aggroed. Please be sure to vote for Witnesses at https://steemit.com/~witnesses.
Thank you for using @entrust!
You got a 21.86% upvote from @entrust courtesy of @xiaoshi!
Entrust is a bot focused on rewarding delegators and helping users promote their posts. We give 100% of the total rewards to the delegators with payouts will be given daily. If you would like to consider delegating to @entrust, we've made a quick delegation link for you :
10000 SP | 5000 SP | 1000 SP | 500 SP | 300 SP | 200 SP | 100 SP or visit our own tracker website for more information :
You got a 55.00% upvote from @joeparys! Thank you for your support of our services. To continue your support, please follow and delegate Steem power to @joeparys for daily steem and steem dollar payouts!