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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.

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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.
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