Adjust Your Priorities To Avoid Debt
Staying debt-free may call for a slight adjustment of priorities and a bit of an attitude change.
For example, shopping for the latest fashions in clothes might not be the most reasonable approach in a financially tight situation; are there really so many people who would pay attention to whether your outfit is from this or last year's summer collection? Shopping out of season and looking for bargains is a good way to stay debt-free at no real cost.

