So I thought to myself that I MUST do something about my habit of buying now, pay later. My friend told me to read Bills.com's Debt Freedom guide site, which I did and I find their savings calculator very useful. What I really needed, though, is the free personal finance budget guide which can be downloaded in .pdf format.

I have downloaded and even printed it out because I told myself that I have to read the guide weekly, if not twice a week, to remind myself on how to budget my finances. It is very applicable to my life and after reading it, I have started to use my credit card a lot less, if not at all.

Also, I will try to set a meaningful goal which is actually the first tip in the guide. Firstly, I will set a goal that is attainable and achievable before setting higher goals that will need more effort to reach.

I am positive that with the guide to remind me every day, I will be debt free soon.