Make a list of everything you own and its value.
That's the amount of money you'd get if you sold it
now, not what you paid for it. The list should include
your home, car, retirement plan and other investments.
Then make a list of everything you owe, which includes
the balance of your mortgage, car loans, student loans
and other debts. Subtract your debts from your assets to
figure out your worth.
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Once you begin to see your plan working and your savings
growing while your debt is shrinking, the satisfaction will
inspire you to keep going.
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