Choosing Financial Freedom

Please understand, if financial freedom was easy, more people would be well-off. There are powerful forces working against you from outside and within.  Fast cash and instant gratification being two of the worst, versus slow and steady saving.  Fast cash feeds your ego and makes you a servant to the lender.  If you're not careful, it can bury you under a mountain of high interest debt.  Slow and steady savings builds your confidence, raises your self-esteem and, if done correctly, will liberate you from the oppression of the debtor.  You can try to continue playing 'dodge the collection agent' but this seems like a hard way to live...or, you can get seriously motivated and go out and begin to change your way of thinking about money.