Here is a Christmas gift to give yourself; Make a plan to get out of debt.
We have become slaves to our debts and debts do not make us free. We need to look only to be a slave to Jesus Christ. Christ is the only thing that has set us free.
Here is some guidance to get you started. Watch this video to understand who Dave Ramsey is and what perspective he comes from. If you are not disciplined and need guidance then buy his book and get started.
Dave Ramsey's 5 Things to Start Doing with your money:
1) Live on less than you make.
2) Get out of debt. (Attack smallest to largest debt.)
3) Create a budget.
4) Save money for a rainy day. (Emergency money.)
5) Give, Give, Give (Be a blessing to others.)
This applies not only to individuals and families, but to organizations, businesses, non-profits, and churches.
(Pretty simple common sense. Now get started.)
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