This morning as I woke up, I felt like throwing all of my resolutions out of the window. Well not all of them, just the one where I get up early to exercise each morning. I compromised, slept in and exercised later in the day. I didn't want to scrap everything the first year of the day.
As you work on your resolutions, everything is not going to go exactly as planned. You will mess up as you adjust to your new routine or your new goals. However, if you keep making the changes, even though you make mistakes you will eventually reach your goal. the key to making lasting changes is to keep trying, to keep working and to keep changing. You are only defeated when you stop trying, when it comes to changing personal habits and your current situation.
Debt is a big deal. It really does affect all areas of your life. If you really want to turn your finances around, you need address any debt that you have. make a plan to get out of debt today. Then begin working on it. You can turn your situation around.