Welcome to the new year! One of my resolutions is to eliminate as much debt as possible. In order to do that, I will use my tax return and sale of my business car to pay off and close some credit accounts. My student loan payments start in May after I graduate so that will be an added monthly expense. Once that time occurs, I will form a payment plan that suits my financial needs and consolidate all my student loans. Some things I have in mind to reduce debt is to limit travel, stay home more, and spend less on luxuries. I'm not saying you HAVE to give up a social life, but saving money and paying off debt is important. I have eliminated my drinking by a lot and it has saved me quite a bit. I still can have a good time sober!! Plus I'm safe.
Good luck on your frugal adventure in 2012!!!
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