It is very common to hear people say that they want to get out of debt. This may occur as a result of them seeing others do it or from the experience of what they see others passing through. However it may be, getting out of debt is not an easier task. It requires a lot of sacrifice - a change in lifestyle or behavior. Lifestyle, as you may know, is like culture. It is deep-rooted in a person that its removal demands a big opposing force. It is difficult to change the behavior of an adult. This can only be accomplished by internal force. This force has to be bigger than the fear of losing status, being afraid of what people will say, and the shame that goes losing status.
For example, many cannot sell their cars and settle their debts while going on foot. Others cannot accept living in a smaller house in order to save money and pay their debts. Instead of scaling down, many prefer to borrow money from one source to pay debt from another source. Others prefer bring all debts together and refinance them in what it called debt consolidation. Call it what you like, debt is debt. Debt is eliminated when it is paid off. As a result of refinancing, many continue spending more than they make.
Getting out of debt requires a change in behavior and nothing more. It does not depend on how much one makes. Change in behavior, like anyother problem of comportment, deals with emotion. Anything that delas with emotion can be solved by using the subconscious mind. The subconscious mind gives you the vision or the picture of where and how you will be. In order words, it gives you the "big why" behing doing something. The reason why many say getting out of debt without accomplishing this goal is that they lack the capacity to activate the subconscious mind. The alternative is to go for counseling where they should be worked through the process.
Therefore, look for outside help in case you are not able to activate your subconscious mind!
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