future. some of the most successful people have cut up their credit cards and live only off what they have in the bank. having debt on a credit card not only puts you behind the eight ball for future savings but it acts like a constant dark cloud of any spending. work out a 1 month, 6 month, 12 month plan of paying off the debt and then start to put away savings each week for something in your longer term plans. it’s amazing what just a little bit now adds up to.
#7 find an interesting hobby: do you have a hobby at the moment? you’d be one of the 