GuidelinesHere are a few practical principles and guidelines that will help you to maximize each season of life. They are not in any particular order, but all are gems that will make a huge difference in your seasons of life long term:

Never spend more than you make. If you can’t afford to purchase something with cash, then don’t buy it. There are very few necessities in life. Learn to sacrifice some now so that you won’t be a slave to debt long term. Proverbs 22:7 tells us plainly: Just as the rich rule the poor, so the borrower is a servant to the lender. When you are debt free, it gives you options and freedom that you won’t have when you borrow.
Be willing to live a frugal lifestyle in all areas. This may include the way you dress, what you spend on entertainment, and vacations. You can have all of these without spending a lot of money doing so. You will have less stress, more joy, and more peace even if you do not have all the material things that you desire.