An Attitude Change is Also Necessary

Another thing I have come to realize on my journey to defeating my debt is that you must CHANGE YOUR ATTITUDE TOWARDS MONEY. As Dave Ramsey says, you must tell your money what to do. You must have your money, not let it have you. And not only must you budget your money, but you must also realize that money is finite. Just because I want something and I have a credit card sitting in my wallet does not mean that I can afford it. If the cash is not in my bank account and budgeted for this purchase, then I cannot afford it. Period. End of argument.