I’ve been reading a lot lately on the internet about how to get out of debt. One site I do really like is ZenHabits.net. This is a real person, with six kids, who is making major changes in his financial and emotional life.
But other sites I read are very disconcerting to me. They handle getting out of debt like a recipe:
First you stop debting, stir with ample amounts of confusion and frustration.
Add an emergency fund, set aside, let it grow mold because you’re never told how to use it.
Cut up your credit cards…no, don’t, just don’t use them…no just keep one and freeze it…
Wait for 3 to 5 years until everything is paid off…..
….wait…we’re not done yet…..come back…come back!
