Many years ago as I started my journey to get out of debt, I developed a series of promises and steps I took that took me from a broke, credit card wielding shopaholic to a woman who now loves, respects and values money.
The steps I took, some simultaneously and others one at a time, created the foundation for the good money habits I created and consistently used to change not only my bottom line but my mindset too.
When I was looking over my journal last week, I came upon the twelve promises I had developed and realized they are just as important today as they were the day I wrote them down.
In my journal, I referenced them as my personal “twelve step program to get out of debt” and in reality, they still are.
At first, I wasn’t sure about putting it into a format that represented “12 Steps” and eventually transformed them into my 12 promises to getting out of debt. Working with so many people over the years, what I have come to realize is that getting out of debt, staying out of debt and our relationship with money is about the recovery process and the promises we make to ourselves to stay on the debt free path.
These twelve steps are opportunities for anyone who is serious about gaining control over their finances and learning the skills necessary for real financial freedom.
I share these twelve steps because I know they work. They worked for me, and I know they can work for you if you’re struggling with debt, under-earning, and a lack of savings.
12 Promises To Make If You’re Serious About Getting Out Of Debt
If you notice, the word commitment is repeated over and over again.
Commitment is a necessary tool you need to make getting out of debt a reality.
Without committing to the process, it will be very hard to accomplish your goal.
So muster up some commitment and start working your way out of debt.