Do I Need All That Unlimited Texts?

The first step to all of this is to write down your monthly expenses. Track them for a little while and you'll see where your money's going. A lot of stuff will become obvious that you can, where you can trim them back. Living debt free is something we believe in now. After incurring credit card debt for a number of years, we got rid of it all - having used credit cards in like eight years.