Time to get financially fit

Hello everyone. I hope that life has been treating you well and if not just hang in there. Well I'm very pleased to announce I finally have a new, reliable vehicle-2005 Ford Ranger. Now with my transportation issue solved I can move on to other matters like a new couch for my living room, curtains for every room etc. I'm not bragging in the least but just trying to tell you that there are betters ways to obtain the material things that you want without having to go into debt. It's like Dave Ramsey said, "We spend money we don't have on things we don't need to impress people we don't like."
He also said that debt is dumb and cash is king. Amen to that brother. I could have gone into debt and purchased a vehicle for twice the amount it was worth but didn't because I remained true to myself and stayed the course. And my steadfastness paid off, much sooner than I expected. Patience and discipline go hand and hand when it comes to financial planning. Before you come up with a plan you have to change your whole way of thinking and in turn you more than likely have to change your life style. Probably the most important thing you need to do is reassess your life from top to bottom. Learn the differences between wants and needs. Kill the unnecessary expenses like eating out everyday, buying too many shoes or going to the bars. Even if you have the extra money to do these things it doesn't mean that you should. For example if you make $40,000 a year then you should budget your life like your making $24,000 because you never know when the bottom will fall out-a blown car engine, busted hot-water heater, a hole in the roof and so on. It's also imperative that you avoid the lure of the payday or car title loans. They aren't a long term solution, their not even a short term solution. And once they have their hooks in you it's extremely difficult to break away. It's so ridiculous when someone tells me that they are still paying on a $800 loan they took out two years ago at 30%. That is the very definition of throwing away money :-( I can talk about this because I have been through it. I acted irresponsibly and made stupid financial decisions and paid for them. And there was nobody to blame but myself. So I guess the very first thing you should do is own up to your mistakes and take on the responsibility of repaying the debt and repairing your credit. It won't be easy, it
never is but you can do it. I hope that I can
inspire at least one person to start making better financial and life decisions.