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E-mail: anna (at) selfinthecity.com

Money

Crawl Out Of Debt

You dug yourself into a hole. You didn't mean to, but it happened pretty easily. Now you're deep at the bottom of the debt ditch, and you don't know how to crawl out.

Do a budget. Tell your money what to do. Put cash for food, clothing, and entertainment into individual envelopes and label them- FOOD - CLOTHES - GOING OUT. When money in the envelope is gone, stop spending!  It's that simple.

Be patient. It takes at least three months to really make your budget work.  And, over-fund the food category the first month — I guarantee you spend more on food than you think you do.

It takes time to balance, but at least you know you'll be able to get out of the hole and see the light-a bright financial future.

Take out a few envelopes and sort your dough into different spending categories.  Then, you'll slowly begin to crawl your way out of the debt ditch.

Whoever thought stuffing envelopes could actually be rewarding and beneficial?

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Anna Goldstein is a NYU Life Coach ing is empowers individuals and professionals to make positive life transitions. life coach new york, become a life coach, life coach, life coaching, life purpose, new york life coach, new york life coaching, new york times life coach, ny life coach, personal coach, personal development, personal life coach, personal life coaching, self help, self improvement, life coach, new york, life coaching nyc, nyc life coaching, nyc life coach, coaching life, coach life, coach life new york, coaching life new york, icf, new york times life coach, career coach ny