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Debt, debt, debt! It seems like this word has become our nemesis and we are all looking the other way to make it disappear. I was right there, until I got really mad at myself for feeling defeated.

Debt can feel so big and overwhelming that it almost feels like it is a living breathing creature, a beast. I decided to use the idea of debt as a beast as a tool to help me fight.

“Hey Debt! Can you hear me?? Are you playing David and Goliath with me? Do you know who won in the end? I will beat you!”

You may be laughing at my childish outburst, but this really gave me the power to start my war to conquer this beast. Here are the four keys to my success in fighting the debt beast, maybe they will work for you….

1. The first thing I did, was sit and write down what I spend and why. Then, I started deleting all the “extra stuff” like new shoes, clothes, music, restaurants and did not stop until I was satisfied from the outcome of the first battle. NOTHING is more important in life than ourselves. No clothes, no jewelry, no restaurant. NOTHING.

2. The next step was to ask for help. Me, ask for help? Well, yes I did and it feels wonderful, because the feeling of receiving actual help is lifting a ton of weight from our shoulders. You have to look at this in a very cool fashion. It isn’t personal; it’s just part of life. Be honest with yourself, and you’ll see that nothing can hold you back once you get in the mindset to live a debt free life.

3. Be happy and live within your means. It feels so good to look the debt beast in the eye every month and say: “Ah I just cut another limb from your ugly body!” This mental game made me feel so empowered, so happy every month that I could sleep at night knowing that I was doing the right thing.

4. Another tip is that you can pay a little extra when you have it, and you will be out of debt in no time. But be careful. Do not pay more when you don’t have enough money left to pay for food, rent/mortgage, or utilities. Paying off debt and being responsible for your day-to-day bills is the key to final and absolute success. I usually pay a little more here and there during the Holidays. I see this as a small gift of freedom to myself, instead of hitting the Malls and buying gifts. A little radical some may say, but it works for me.

So, let’s go and face the battle together! We can slay the debt beast, and live FREE at last!