When friends engage me on their finances, I always ask one question – How does debt make you feel?
If debt makes you feel uncomfortable, why do you get into it at the slightest nudge?
The truth is, debt does not make a lot of people uncomfortable, paying back is what pisses them off.
If debt truly makes you uncomfortable, get out of it with a plan – use the debt avalanche or debt snowball method.
If debt makes you feel motivated, why do you complain about it like the crowd do? Embrace it and let it drive you to your goals.
For a lot of people, the highest and most important investment they can make, is to pay off their debt.
In fact, just flipping your actions from current debt/instant gratification to current investments/delayed gratification, makes a significant difference.
– Osasu Oviawe