Hey Thomas,
What a great read this is. I have pondered something like this, but have never succeeded. It probably would help to have a support group that was participating... as with all things it seems. :)
I believe that anyone can pay off their debt just by not feeding the "need" frenzy. But, that is very difficult with the constant pounding of advertisements on TV, radio, email, billboards, magazines, newspappers... they even advertise at public restrooms right above the urinals... talk about insanity!
My uncle taught me this rule to live by when I was a new teenage... whenever you are faced with making a purchase... make yourself wait and come back three days later. Guess what? You practically won't ever come back unless it is for food that you desperately need or a tool to do a job, etc.
Thanks for the reminder of being more cautious when spending. Great article!
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