I have a jar labeled 'Diet Debts' on my kitchen counter that I picked up at a local discount store. Every day I do not exercise for at least 45 minutes, a dollar goes into that jar. I use the cash to buy diet or exercise related items. Over the years I have gotten a gym membership, a bike rack for
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I have a rule called 50-20-30 Debt savings and power pay down... I re budgeted everything and found out I was way over debt.. after working hard on power paying bills I was able to fit into this percentage rules.. 50% Must haves- rent, insurance, gas, food, your things on what you need to live off of 20% savings- Paying down debt 30% wants- cell phone, cable bills, subscriptions ect. Things you want but can live without
Power paying, you will take your smallest bill and pay it off .. you use that amount then pay that down. roll those payments over to the next bill and so forth.. also line them up to the highest interest rates to balances..
By doing these rules I was able to be debt free in 5 years.
I picked up a couple of little jars at the dollar store along with some decrative glass beads. I labeled one jar with - pounds to lose and the other jar with - pounds lost. I filled the first jar with as many beads as pounds I need to lose. Now whenever I lose a pound I move a bead into the pounds lost jar. I sit the jars on my bathroom counter and it is really motivating to want to fill up my pounds lost jar!
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