Are we truly consistent with the things that affect us in life, whether that's physically, spiritually, or emotionally?

The ability to refocus can be simple, and it's incredibly necessary sometimes to get things back on track.

To succeed with paying down and paying off debt, first we need to interrupt the pattern of debt.

The first step in accomplishing any goal is to understand where you are right now.

I called a credit card company to ask to have the APR lowered on one of my credit cards, and this one in particular wasn't budging on their stance to say no to my request.

Make sure that you don't skip this important money-saving step on your way out of debt.

It's human nature to see if we can find the easy way out of a difficult situation.

While you are in the process of paying off debt, make sure you are keeping your eye on your credit score as well.

We are going to learn how to practice saving for expenses, growing an emergency fund, and paying down debt. These habits will help you down the road as well once it's time to get into prosperity.

Getting organized and staying organized should be your first step when it comes to accomplishing any goal.