"The trick is you have to figure out how to live on less than you earn. There is no magic bullet that will make your debt go away overnight or your savings rise like a wild day on the stock market. It is a long process of nickel and diming your way to savings. How quickly you get out of debt depends on how many extras you are willing to give up. The thing is that some people don't want to give up those things. When the stress of having debt or no savings is more than the stress of giving up the things that you want then it will motivate you to pay off debt or save money in these ways. If it is more important for you to save money than to spend it you will find a way."
~Tawra Kellam~
"How we paid off $20K in five years on a $22k Income"
you can read more of her article here :
http://www.mommysavers.com/family-finances/how-we-paid-off.shtml
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