Most people fail to dig themselves out from under the crushing weight of their debt because it’s too hard to do so. They can’t say “No!” to their spouse, partner, family, friends—even to themselves—when asked to buy this or that, to go out to dinner, to go away for the weekend, etc.
The Key to Success when it comes to living within a budget is to simply say, “No!” You really can’t afford certain things YET. We say “yet” because once you pay off your debt, you will have much more disposable income with which to say “Yes!” to certain things—so long as you are living within a budget. Once that time comes, you will need to shift the focus of your budget to other priorities, such as saving for retirement. But it should leave you room to say, “Yes!” Have that as your goal.