How to Develop a Debt-Free Mindset


If you really want to be free of debt, you have to have the right mindset for it. You have to remember your outer role. The way you do things, the way you respond to things is a reflection of your inner world. If you want to be a richer person, if you want to live a better life, you have to start with your inner world. Your inner world is the cause and the other life is the effect. Nobody is immune from the iron law of cause and effect.

If you’re poor and struggling now, guess what? You caused that problem. You made decisions and you were subscribed to certain mindsets that led to your current struggles. The good news is just as you can decide to land in financial hot water; you can also decide to get out of your current predicament.

How? By developing the right mindsets.

If you’re struggling with debt, here are three ways to develop a debt-free mindset.

You only need to spend on what you actually need.

The first mindset that you need to adopt is very simple. Believe that you only need to spend what you actually need to spend. In other words, focus on need. And the good news is that you really don’t need all that much. Most Americans just need shelter, food, transportation, certain types of insurance and clothing. That’s it. You might throw in college education in there. But for the most part, public education is good enough.

That’s all that you actually need. Everything else is a luxury. If you’re able to absorb this mindset, all sorts of things become possible. You no longer need to buy trinkets, you no longer need to buy a certain type of car every few years.

Once you redefine what you need, a whole new financial world opens up to you. Unfortunately, a lot of Americans fall into this very common trap where in college they were able to get buy on 20,000 dollars a year. Once they graduate college, all of a sudden, they can’t live on less than 50,000 dollars a year.

The truth is your level of need is really just something you choose. You need to choose your level of need in such a way you can control it. That’s the bottom line.

Decreasing spending and increasing payments for financial freedom

If you look at how debt-free people become debt-free. You would notice a certain pattern. They actually set up finances in such a way that they are actually killing two birds with one stone.

First, they redefine what they need. When they do this and they stick to their plans, they’re actually freeing up a lot of their income because they spend less money at the end of every month.

Once they are able to do this, they redirect all that free up economic resources into their debt loan. In other words, they’re increasing the rate in which they’re repaying their debt. The first to go of course is their credit card debt and this can then lead to repaying long term liability at a much faster rate.

Regardless, you need to set up your finances, in such a way that you decrease spending and increase debt payments at the same time. This way you’re working on your financial problems from two fronts. The worst thing you can do is to free up spending and then end up taking on more debt. If you do this, you are just basically canceling out whatever improvements you made to your personal cash flow. You end up at the same place you started.

This is the long way to go. Instead, you have to attack your problems from two fronts; you have to decrease spending while at the same time you have to increase payment on your short and long term financial obligations. This is the best way to become debt-free. Of course, once you become debt-free, you have to work really hard to stay debt-free.

There’s really no point in achieving debt-free status and then all of a sudden, spending money like a drunken sailor. You would only end up at the same place you were before. In fact, I would argue that you end up at the worse place because you would have this false sense of assurance that since you were able to successfully dig yourself up from a debt hole initially, you might think that would be able to repeat the same process again.

This leads to high degree of falls confidence and you might end up making riskier and riskier decisions as far as your personal finances are concerned.

It is no surprise that a lot of people who are actually suffering from a huge amount of debt were able to have zero balances at earlier points in their lives. They just allow themselves to develop this false sense of security and this has led to all sorts of long term financial trouble.

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  • i just want to tell everyone about this great new site, called LOCKERZ…Lockerz is website where you earn points by answering questions, ect and n return u can redeem your points 4 prizes! The prizes are amazing, for example the ipod touch 3g, macbook air, ps3slim & ect. The site is not officically open rite now, so you have to have an invitation to join.There is nothing to lose with this website and its completely free. Just pm me your email and i will have a invite to you within a hour!

  • Cheers pal. I do appreciate the writing.

  • That’s a crackerjack answer to an interesting question

  • kredit für luxemburger (#)
    January 20th, 2017

    lunatic,Any human being can see that the Chelsea football players were not mentally strong when they let in the first two goals and throughout whole football match.If RDM does not do something about this mental aspect of football then he is also to blame.Fernando Torres and Branoslav Ivanovic were the main culprits. They suffered the most.Reply

  • Thanks for introducing a little rationality into this debate.

  • That really captures the spirit of it. Thanks for posting.

  • hoist kredit ab (ed nieuw) (#)
    January 20th, 2017

    Wham bam thank you, ma’am, my questions are answered!

  • These topics are so confusing but this helped me get the job done.

  • poin xtra kartu kredit cimb niaga (#)
    January 21st, 2017

    Thanks, Kelly! That was really nice of you. We’re glad we got a chance to use it. It is definitely a useful tool for those who have problems keeping their iTunes library organized. Thanks again for extending the discount to Geek Shui Living readers!

  • Wow! Talk about a posting knocking my socks off!

  • In awe of that answer! Really cool!

  • kredit berechnen mit schlussrate (#)
    January 21st, 2017

    Je me suis poilé (!) à lire ta petite histoire ! Nous avons cet avantge , nous les hommes de faire dans la simplicité et dans la rapidité ; C’est vrai ce n’est pas un plaisir d’aller chez le coiffeur alors faisons vite, plus c’est rapide moins il y a de surprise et c’est pareil pour tot …même avec le chapeau !! lol ! Phil

  • Now I know who the brainy one is, I’ll keep looking for your posts.

  • kredit atoz (#)
    January 21st, 2017

    Felt so hopeless looking for answers to my questions…until now.

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