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If you’re in debt, here’s the good news: All the debt you’ve ever accumulated, you accumulated in the past.
Even if you put a $500 purse on a credit card this morning, that mistake is in your past. All you have now is your present and your future.
If you’re tired of debt, there’s no greater opportunity than the one you have right now to commit to getting out of debt. Just think: If you decide today that you are sick and tired of being sick and tired of debt, then you could be out of debt this time next year!
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How different would your life be if you made that commitment?
If you want to succeed with your money, you can learn from your past, but you can’t live in your past. Beating yourself up for old, stupid decisions will only make matters worse.
When you choose to dump your debt, you choose a new future. You’ve realized the problem—whether it’s credit cards, overspending, not saving enough, etc.—and that’s a great indicator that you’re ready for change.
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Let all those past mistakes guide you and teach you how not to make decisions in your future. Be open with your kids about those mistakes—tell them about the time you leased a car or bought that fancy boat on a payment plan, and make sure they know what a mistake it was. That way, your kids won’t be doomed to make the same mistakes you make. You’ll change your future. But most importantly, you’ll change their future.
The takeaway here is that you shouldn’t run from your past, but you shouldn’t set up camp and live in your past either.
Maybe you used to be one of those people who made the same money mistakes over and over again. But that’s not you anymore. It’s time for a change. Now go make it happen!