2. Get rid of your debt
Debt is a burden: it takes away resources from you and limits your choices. You need to be debt-free. However, just paying the next installment on your home theater while taking a new credit plan for that brand new smartphone won’t do. You need a solid plan to get out of debt. Pick your favorite afternoon, grab a cup of coffee and take some time to think it through. Once you’ve set it up, stick to it. In fact, you can even come up with some sort of visual reminder that you can check often as you pay down your debt. It will help you remain focused and motivated.