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It's more than probable that the top reason why you despise personal finance is because of your debt. However, the worst thing you could do is ignore it as this will put you in a far worse position going forward and will stop you from achieving your life goals. Take the pledge now and make a commitment to stomp out your debt. Combine your side hustle income with a reduction in your discretionary spending so that you will be able to put every possible penny towards eliminating your debt. Once you do this you will have a feeling of freedom that will translate into being more affectionate about your personal finances.
Find frugal activities
You can actually go out and have fun even if you're on a severe budget. There are a lot of frugal activities that will actually make you feel happier than many of those things that cost a pretty penny. As an example of this, just being active outside will help you feel healthier and boost those great feeling endorphins. So, go for a hike, a bike ride, a run or just a long walk. There are lots of zoos and museums that offer days with free admission. You can even take in a movie on the cheap if you go on a discount night when in some cases ticket prices may be as low as five bucks.
Be smarter about your spending
Instead of feeling contemptuous about your tight budget try to find ways to save on the things that you want. For instance, if you love clothes then head to the nearest consignment shop instead of Macy's where you should find practically new clothing at a fraction of what it cost originally. There are a lot of tools available online that will help you save on stuff so make it a point to find these resources so that you can avoid paying full price.
Never lose track of the big picture
When you're paying off debt, it is easy to get frustrated because you can't really enjoy the use of your hard-earned money. When this is the case you need to keep in mind the big picture. Never forget that this is all about the long term and that your lifestyle in the future will be much more enjoyable thanks to what you're doing now. This should help you understand that the struggles you're facing now will more than pay off in the end. One thing you might do is create a “vision board” consisting of the things you want to achieve. This can help you maintain focus on those things you're working on to become financially free.
Gift yourself occasionally
If you want to fall in love with your finances, it's important to not let yourself get burnt out. This means you need to attain a balance that will include rewarding yourself from time to time. It is okay to treat yourself occasionally. Just make sure you don't do this regularly as this could negate all the hard work you've put in. When you do consider rewarding yourself don’t just buy things. Concentrate on experiences that will provide lasting memories. An overnight camping where you awake to an absolutely stunning sunrise, won’t cost much but it's something you’re likely to remember forever.