Skip Nav
Budget Tips
221 Upcycling Ideas That Will Blow Your Mind
Self Improvement
44 Quote Tattoos That Will Change Your Life
Consumerism
51 Affordable Valentine's Day Gifts For Any Type of Guy

Reader Tip: Pick Up a Copy of How to Get Out of Debt

We each develop a unique saving style over the years, which is why we started the How Do You Save? group for you to divulge your winning tactics. It offers a place for you to dole out your advice to other SavvySugar readers trying to save a little moola and learn from their experiences. PureGrace recommends picking up a copy of How to Get Out of Debt, Stay Out of Debt & Live Prosperously. She says:

The book has been a life changer for me and my finances!!! When I read this book over a year ago I had $16,000 in total debt, a loan with an APR of 16.99 percent and a feeling like I was living in austerity. Since then I have stopped using credit cards completely, paid off $6,000 in debt including paying off my student loan and a store credit card. It recommends simple techniques that have made a huge difference. You write down everything you spend and then put it into categories. Create a spending plan based on the expenses you write down but also set up long term goals. I created a savings account for vacation, clothing, pampering, Christmas, taxes, etc. The most important thing I learned from this book was to pay myself first. My old spending plan had me trying to paying off a bunch of bills and then trying to live off the rest. Now I have flipped that and feel like I'm really enjoying my life and still making progress towards being completely debt free.

Do you have a tip for readers or a book that's changed your outlook on career and finance troubles? Join our How Do You Save? group and share your helpful suggestions. Here's a detailed guide to posting questions or posts to groups if you are new to the PopSugar Community.

Around The Web
Best YA Romance Books of 2015
Books Like Fifty Shades of Grey
DIY Books
Benefits of Being a Reader as a Child

POPSUGAR, the #1 independent media and technology company for women. Where more than 75 million women go for original, inspirational content that feeds their passions and interests.

Join The Conversation
Spectra Spectra 6 years
One of my rules about living within our means is to not buy new things until the old one is completely broken/unusable. So yeah, we have a 15 year old couch in the living room that I'd LIKE to replace, but I'm going to wait until a) I find a very good deal on a new one and b) the old one is completely torn up. I know I'll have to replace it soon, so I start comparison shopping/looking on craigslist, etc. so I'm not tempted to just buy the first one I see when I have to replace the sofa. This same rule goes for everything...cars, clothes, furniture, appliances, etc.
cheekyredhead cheekyredhead 6 years
Cool. My philosphy is no credit cards, although I understand the need to have established credit. It is hard---but if I can't buy it I dont need it.
Latest Career & Money
X