Unquestionably, the changes I made in my life-style were an improvement, but they were not easy by any means. Life-style changes are the most difficult changes you can make – it's not like changing brands of coffee or toothpaste. Until the changes are ingrained in your soul, there's always that temptation to fall back to your old ways.
It took four years and a lot of desire, determination, self-discipline, self-sacrifice, and perseverance (qualities I didn't think I had in me), but I can now say I am debt-free. I also have an emergency cash fund large enough to manage almost any crisis, and I am currently saving and investing over 40 percent of my take-home pay. My financial problems didn't disappear when I became debt-free. There are still financial decisions to make and goals to meet. The difference for me now is that I control my finances – they no longer control me.
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