Second day
We already know the amount we need to pay off our debts, and for that to happen we must make some sacrifices. From today on, you will always have in mind the amount of your urgent debts. Wake up, go to sleep, dream about this amount; it may seem crazy, but think about it and make your mind look for alternatives to be able to pay this amount.
Our thoughts and strength of mind are capable of promoting incredible things in our lives. But don't forget that your strength of mind does this alone, lol.
Let's go to the first step: Reduce expenses.
If you want to have money left over to be able to pay off your debts, the first task is to reduce your expenses. From today on, until you completely eliminate the list you made yesterday, you cannot have superfluous expenses. In other words, let's work on a list of essential expenses.
We imagine that if you have children and have an active social life, your life probably requires almost daily expenses, such as paying for housing, food, clothes, travel, restaurants, etc. From now on, we will not spend money on frivolous things that are not essential for your survival.
Here is a list of everything that would be essential
HousingFoodStudyTransportHealthHousing: Rent, mortgage, electricity, water, telephone, internet)
Food: supplies to keep you alive, including drinks, vitamins, etc.
Study: College, children's school and courses
Transportation: car financing, fuel, tolls, etc.
Health: health plan, gym, medicines.
I need you to keep in mind what expenses are really necessary for your survival and that of your family. For example: Going to the supermarket to buy food for your meals is a necessary expense for your survival. Going to the supermarket to buy toys for the children or to buy candles from Bath & Body Works is definitely not essential. You won't die if you don't spend money on these things.
This sounds a bit overwhelming, but my mindset is the following: any expense I'm going to make, I first stop and think: do I really need anyone? Will we die if I don't buy or pay for it? Do I have another alternative? Anyway, make an effort and reflect, this won't be for the rest of your life and the rewards will come. You can change your life, but it's completely up to you. And learn to say no to expenses that aren't essential.