We hate to break it to you, but if you really do want to get out of debt, you’re going to have to make better decisions. A lot of people skip right over this, thinking that they aren’t going to have to make any type of painful decisions at all. The truth is that while you might get lucky, the reality is that you really do have to make sure that you’re really focused on all of the right things. If you aren’t, then you’re going to be in for a lot of trouble ahead of you.

Why? It’s really simple — you have to make sure that you change your habits so that you don’t need up in debt again. This is the same with diet. Sure, you might be able to lose weight while eating junk food, but the junk foods means that you aren’t going to keep the weight off. It will stealthily come back on, leaving you in a worse bind than before. It’s all about figuring out your options and thinking about what’s really going to be the best choice for you all things considered. You have to make sure that you’re thinking about the right way to go through everything that you do. Otherwise, you’re just going to end up being disappointed.

Changing bad habits isn’t something that has to happen overnight. In fact, you really want to make sure that you aren’t trying to go through things the wrong way. It’s going to make you feel like it’s impossible to get out of debt. It might feel painful to actually change your habits, but you can indeed make better decisions. You just have to believe that it’s possible and go from there. You have to believe that you’re going to be able to cut your spending slowly.

How do you do that? Well, you need to look at the type of spending that you get into. For example, do you eat out a lot? You might think those cheap lunches aren’t going to matter…but you might be surprised. Add them up over the course of a month. Remember too that you could save a lot of money by bringing your lunch to work. It might not be something that gets you a lot of attention, but it’s honestly a good way to put some money aside. You have to decide what type of life you’re honestly going to live. Some people really desire to live well, but they find themselves really blocked. You have to think about how you’re going to raise awareness of your cause. The more work that you can put into getting someone to notice your debt struggle, the more likely you’re going to get accountability.

Now, accountability might not sound like a big deal, but you definitely need it. It’s hard to change when nobody’s watching. On the other hand, when you know that other people are taking notice of what you’re going to do, it makes a lot easier to change your pattern up. It means that you’re going to have virtually no trouble at hall making these new habits stick.

Getting with the right group of friends matters. If you hang out with mostly spenders, you’re going to be spending money. Yet if you hang out with people that value being frugal and saving money, you’re going to be ahead of the game. It really does make all of the difference in the world when it comes to getting things done. You just have to make sure that you’re in the game as much as possible.

And really, that’s what this is. It’s a game that can be won. You just have to make sure that you’re pushing forward and thinking of the right stuff. Otherwise you’ll end up being very disappointed, and who really wants to go through that? You have more options than you think you do, so make sure that you get things together as soon as possible. It’s the best way to really ensure that you are taking the right steps towards debt freedom. Remember, you can do anything you set your mind to, so good luck!