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You may find a lot more enjoyment out of life when you live free from debt but it can be a long road to get there. You really need to stick to a program and change your thinking and get your partner in on the debt free living if you are going to be successful. You\’ll have to keep track of how much you spend and change the way you think but you might find that it\’s well worth it when you get to financial freedom.

One of the secrets to live free from debt is to find constant sources of motivation. This might be by setting a goal for a college fund for your kids or thinking about retiring early. You may even want to keep pictures of trips that you want to take on a bulletin board as constant inspiration. This will keep you focused on the big picture. When you skip a lot of little purchases you can save enough for a beloved treasure.

Turn it into a game or competition. Sure having a lot of debt is no laughing matter but staying out of debt can be fun. Make challenges for yourself or race your partner to see who can get rid of the most debt fastest. You can also help organize swap meets where neighbors can trade items in their house to redecorate or fill up the closets for free. When it\’s fun you\’ll be more likely to keep at it and stay motivated for the long run because it won\’t feel like a chore.

You\’re going to have to change your way of thinking away from just dollar amounts. There are other ways to recognize an accomplishment than just by shopping. Treat yourself by reading a book, taking a hike, or making a spa experience at home. You don\’t have to spend money to realize that you\’ve done a good job and are worth some pampering.

One of the keys to this new way of living is to get your friends in on the act. You may feel lonely at first when it seems like everyone else gets to go out but you have to stay in. Once you start coming clean about your debt you\’ll see that a lot of your other friends have been living beyond their means in order to keep up appearances. Find a support system that can motivate you instead of tempt you.

Want to find out more about living debt free, then visit Sara Gilmore\’s site on the best tips for avoiding credit cards.