Learn to Say NO

This may or may not be an issue for you...it is for me
I am more likely to go on a spending bonanza for my other half than myself. I would love to give him the world and more. I find it so difficult to say no when asked if we can buy something- something that I know would make Mr. K happy.

1. Remember it may be a sore point for the moment but keep with it and one day things will turn around. This is not forever

2. Don't get angry, it won't get your anywhere. Besides if you're going to place blame it's going to have to be at yourself. You got yourself into this mess, that's why you're now paying the price. No one else did this to you- you did it to yourself!

3. If the debt is primarily your partners- as was our case. You absolutely CANNOT blame or hold it against them. What's done is done and for the sake of your relationship get over it, there isn't anything you can do about it now. Realize that you're a team and focus on paying everything together. What you can do is figure out how things got to this point and have a plan so that there is no repeat performance.

4. Do not give into temptation to buy things that are unnecessary- ie- you really don't need new golf clubs, especially when the ones you have are 2 years old! Always ask yourself if you NEED or WANT something. I want everything, I don't need anything.

5. It is what it is and you got yourself here, BUT now you're working on getting yourself out of it. It's easier to get into debt than out of it and remember you didn't get into a whopping amount of debt overnight, it just feels that way.

6. Just keep chipping away even when you feel like you aren't getting anywhere, eventually it will pay off. I swear it!

7. If you hit a bump along the road don't beat yourself up. In the past I would get so overwhelmed with the debt I would just give in and spend it all- what's the point. Do not do this!!!! If you do spend on some unncessary item and regret it- if you can return it, if you can't live with it, forgive yourself and get right back on your plan.