Difficulty: Moderately Easy
Step1
• Sell or Consign items that you no longer have use for! Sell new or gently used items on EBay, Craigslist or Amazon to sell your items online. If you prefer more traditional methods, find a consignment shop that specializes in what you have to sell and sign up to become a member. If you have a lot to sell, start organizing your wares now and plan a springtime yard sale. You’ll be surprised how much extra income you can earn from stuff that’s probably collecting dust in your closet! The key is to earn extra income and pay that directly toward reducing your debt!
Step2
• Retrain your brain to shop strategically rather than impulsively. This requires planning, discipline, and consistency! Evaluate your current shopping style and create a plan that you can stick with when you get the urge to shop. What is your shopping goal? What is your budget? Where can I find the best bargains? Can online shopping save me both time and money? Answer these questions before you leave the house and only take as much money as you can afford to spend. Establish a separate shopping wallet if you have to! Leave the credit cards at home! Put yourself up to a challenge! For example: I am going to find a great gift for my husband that is less than $25. Who said shopping can’t be a sport?
Step3
• Shop for gifts year-round! I highly encourage you to establish a closet or bin somewhere in your home where you can stash gift items throughout the year. I usually allocate $10-20 per shopping trip toward the purchase of timeless clearance items I find while shopping for other things. Be sure to check out store clearance areas first before making any purchases at full price! Use this strategy and never be caught empty-handed or financially challenged for the next birthday, baby shower, or special occasion!
Enthusiast 
