Don't Cut the Fun!

One thing I learned when I started the path to reducing debt was not to cut the fun entirely. When we sit down to make a budget and find we need to cut back, the first place we go is to the entertainment section. Oftentimes, we'll cut it entirely.

But, consider what happens to our self-esteem and motivation when we do that. We limit ourselves to working and paying off debt. There's no reward and we feel like we get nothing for the sacrifices we make.

So, my tip is not to cut the fun. We need it. It clears our head and puts things in perspective. I'm not saying to go hog wild - there's plenty to do for cheap or free. But, I am saying to think outside the box when it comes to your budget. Don't just cut the obvious stuff. Look for ways you can save in each category so that it's not necessary to cut out one altogether.