However, getting out of the troubles of your debt is just the other side of the solution. The more important ones – which I call the intangibles – are far more important. Most of the time, printed and online tips do not include them.
First, you have to change your mind. You have to resolve never to be trapped in too much debt again.
Second, you have to change your attitude. Keep your credit cards away; or better still, do not apply for one. Spend only on what is necessary.
Lastly, change your lifestyle. Do everything you can to get out from the lifestyle of borrowing. Learn to live within your means.
Try these intangibles. They are truly rewarding in giving you a debt-free life.