Tip #1: Track Discretionary Spending
Tip #2: Pay Down a Little More Than the Minimum & Pay Biggest APR First
Tip #3: Don't Wait Too Long To Tackle Your Debt
Tip #4: Practice Discipline but Still Live Your Life While Managing Your Money
Tip #5: As you pay your debt back, you will automatically see an increase in your credit score, and it will feel really good and motivate you to keep going
Tip #6: Increase your credit to get a lower interest rate on loans, esp. the most desirable -- superprime loan
Tip #7: Not as important as how much money you make; more important what you do with it / how you manage it
Tip #8: Don't want money to stifle your growth but to help your growth - make your $ money work for you
Tip #9: Change your mindset on money --- from shiny candy to tool for investment and to make more money ; with shiny candy mindset - you'll always be broke no matter how much money you make (Refer back to tip #7)
Tip #10: Lower Your Debt to Income Ratio - 30% is ideal #
Tip #11: There are many different options to reduce debt (Tips #1-10) outside of bankruptcy
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