NUM­BER 3.

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Avoid (or pay off) debt. The best debt preven­tion is to live within your means, but if you cur­rently have debt, don’t de­spair. No mat­ter how daunt­ing the cur­rent sit­u­a­tion is or how long it takes, God is able to help you get out of debt.

Pay­ing off debts, whether small or large, re­quires a plan, com­mit­ment, and sac­ri­fice. And de­pend­ing on the amount of debt, you may need to get fairly ag­gres­sive with your ap­proach. If your goal is to save money to­ward your fu­ture, be­com­ing debt-free be­comes of para­mount im­por­tance, as many types of debt come with high in­ter­est rates. It will be very dif­fi­cult, if not im­pos­si­ble, for you to strengthen your fi­nan­cial po­si­tion and put money into sav­ings if you have out­stand­ing debts to pay off. Not to men­tion the sense of re­lief and free­dom you will have when you are debt-free.

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