Most financial help books tell you to not use credit cards, pay down debt, and keep it that way. I think we all know that. We just don't know how to get there. The Debt Snowball is great, and it works, but only if you don't have a slip-up, and don't have a unexpected expense early in the process.
This book gives you a solid plan to tackle your spending, plan for unexpected expenses, and still live your life. She does recommend, at first, only paying the minimum balance -- or only what you can afford. The reason for this, and the key thing most authors miss out on, is that you did not accrue debt by throwing money in the street. You bought too many comic books, or clothes, or whatever. Most of us do not have superhuman will power. For those that do, this is not your book.
For the rest of us, the very first thing you need to do is to plan to live your life. And that includes having a very small bit of fun. At first. You can tackle the Snowball later, when you have practice living within your means. She provides detailed step-by-step instructions on how to set up a spending plan that you can actually live with.
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