If you've ever heard of the saying "live below your means" I'd like you to know that I am a big believer of it and should I ever have the need to borrow money, for example a car, I'm living above my means.

However, it doesn't mean that you won't get to enjoy life. It just means that if you want to enjoy your life while also ridding of your debts, we must temporarily allow ourselves to live with what we can afford.

Do you value your own time? 

If you do, why do you spend hours on end searching for deals on clothes or shoes?

If we put a dollar value on our time and base our decisions off of that we'd be able to make ourselves more productive and more likely to be time-efficient.

When we invest in ourselves and spend less time on entertainment and consumerism ideals, we can actually build a more stable career. 

With our free time we can start a side business, learn how to make money work for us instead of us working for money. By having multiple streams of income we'll feel more at ease because money doesn't control our lives.