Being in debt is not fun, it's been 5 months since I started my life to be good in money management. I have been living frugally every month without much entertainment, most of my time spent was either gym, swimming, reading books and writing blog. I'm happy to keep myself disciplined in paying myself first, smarter in spending within my needs and afford ability. The interesting part is get to noticed my debts getting lesser and lesser. Guess what? I am living much more happier.

The journey to debt free (referring to bad debts) requires a lot of determination and disciplined, once you have decided to take the first step, you are on you way to debt free and settling Money problems. It takes a thousand miles to begin with a single step. Money shortages are always stressful and serious debt can emotionally drain you.

Thus, you can find dozen of debt management articles spread across the internet, you can read and understand them, but most of us need to dealt with ourself first, the biggest enemy is ourself. Life has up and down, different period in our life, we would have negative feelings of fear and anxiety.

Glad, after all it just money, take out the negative feelings, money problems can always be solve, you are still breathing, you are still alive, you are not losing your loved one or diagnose by incurable disease. You should be glad.

Accept, and don't blame. Part of your debts could be from your spending habit, it's your spending decision to create the problem for youself no matter you are aware of it or  not. There's always a choice, accept and works towards the responsibility.

Stop, spending is easy, stopping is hard. Digging is hard but stop digging is easy, if you are digging yourself into a hole, it's easy to stop digging. Likewise, same to money, when you stop spending, you are getting better control of your financial. Spend within your mean, you just need foods, water, cloth and a roof over your head to survive.

Personality, there's always good and bad debts, many people value a person by what car they drive, what they wear, what brand they carry in their hand or the brand of the watch they wear. What would be the purpose of having debts when you wear a ROLEX watch? Money is not to value a person status in society but the qualities of the person, character and personality. Sticks with true and honest people who don't really judge people by wealth but your their personality.

Learn, to be a lifelong student, it's part and parcel of learning experience in self-growth, debts you can resolve today can be an experience for you to deals with tougher challenge in future. When there is a challenge, there is always an opportunities, it could be a turning point in life for you to discover a better living lifestyle and a new start of life.