While you are in the mindset of minimizing, organizing, and cleaning out the old, you should apply those same principles to your finances.
In order to get and stay out of debt, you have to shake things up. You need to change your thought patterns, financial habits, routines, and in some cases, your circle of friends.
Just because you didn’t meet your debt payoff goal in the allotted time, doesn’t mean it’s time to quit.
The ability to make the minimum payments on all your debts each month doesn’t constitute financial stability. Your credit card bills may not be keeping you up at night yet, but if you analyze your financial situation, you may find that you are closer to the edge than you think.