{"id":591,"date":"2021-09-28T09:47:00","date_gmt":"2021-09-28T14:47:00","guid":{"rendered":"https:\/\/sunrisefrontier.com\/home\/?p=591"},"modified":"2022-07-18T12:46:35","modified_gmt":"2022-07-18T17:46:35","slug":"5-steps-to-eliminate-your-debt","status":"publish","type":"post","link":"https:\/\/sunrisefrontier.com\/home\/5-steps-to-eliminate-your-debt\/","title":{"rendered":"5 Steps to Eliminate Your Debt"},"content":{"rendered":"<div class=\"seriesmeta\">Part 1 of 5 in the series <a href=\"https:\/\/sunrisefrontier.com\/home\/series\/financial-planning-2021\/\" class=\"series-51\" title=\"Financial Planning\">Financial Planning<\/a><\/div>\n<ul><li>Why Debt is so Insidious <a href=\"https:\/\/sunrisefrontier.com\/home\/5-steps-to-eliminate-your-debt\/#WhyDebtIsInsidious\">\u279e<\/a><\/li><\/ul>\n\n\n\n<ol><li>Assessing the Situation <a href=\"https:\/\/sunrisefrontier.com\/home\/5-steps-to-eliminate-your-debt\/#AssessingTheSituation\">\u279e<\/a><\/li><li>Seriously Budgeting <a href=\"https:\/\/sunrisefrontier.com\/home\/5-steps-to-eliminate-your-debt\/#SeriouslyBudgeting\">\u279e<\/a><\/li><li>The &#8216;Debt Avalanche&#8217; Method <a href=\"https:\/\/sunrisefrontier.com\/home\/5-steps-to-eliminate-your-debt\/#DebtAvalancheMethod\">\u279e<\/a><\/li><li>Trimming Your Expenses <a href=\"https:\/\/sunrisefrontier.com\/home\/5-steps-to-eliminate-your-debt\/#TrimmingExpenses\">\u279e<\/a><\/li><li>Accelerating the Process <a href=\"https:\/\/sunrisefrontier.com\/home\/5-steps-to-eliminate-your-debt\/#AcceleratingTheProcess\">\u279e<\/a><\/li><\/ol>\n\n\n\n<p class=\"has-text-align-right has-cyan-bluish-gray-color has-text-color has-small-font-size\"><em>(Photo by <a href=\"https:\/\/unsplash.com\/@dylandgillis?utm_source=unsplash&amp;utm_medium=referral&amp;utm_content=creditCopyText\">Dylan Gillis\/Unsplash<\/a>)<\/em><\/p>\n\n\n\n<!--more-->\n\n\n\n<blockquote class=\"wp-block-quote is-style-large\"><p>\u201cInterest on debts grow without rain.\u201d<\/p><cite>&#8211; Yiddish Proverb<\/cite><\/blockquote>\n\n\n\n<p>Debt almost seems like it is part and parcel of life. After all, just about everyone seems to be mired in it\u2026 except the rich and famous.<\/p>\n\n\n\n<p><em>Right?<\/em><\/p>\n\n\n\n<p>Wrong. Debt is not a normal state to be in. In fact, it should be avoided at all cost because it robs you of your financial future.<\/p>\n\n\n\n<p><strong>There are 2 kinds of debt:<\/strong><\/p>\n\n\n\n<p>The first kind you take on when you make a big purchase such as a house or a car. Generally, you should aim to pay for your car in cash\u2026 and where possible, pay for your house in cash, too, or at least with as quick payoff terms as possible.<\/p>\n\n\n\n<p>Either way, you\u2019re buying an asset that will serve you well.<\/p>\n\n\n\n<p>The second kind of debt is unnecessary and usually the result of people trying to achieve immediate gratification. Entertainment, frivolous purchases, buying branded items just to show off \u2013 and doing all of it on credit cards or using lines of credit is a sure-fire way to financial ruin.<\/p>\n\n\n\n<p>Millions of people just aim to pay off the minimum each month on their cards and never seem to climb out of debt.<\/p>\n\n\n\n<p>What people fail to realize is that debt will keep getting worse unless you pay more than the minimum. Only then will you start getting rid of the outstanding debt fast.<\/p>\n\n\n\n<h2 id=\"WhyDebtIsInsidious\">Why Debt is so Insidious<\/h2>\n\n\n\n<p>When you\u2019re in debt, your income is depleted because a huge chunk of it goes towards paying the interest. Over and above that, you\u2019ll be financially stressed out because of the never-ending bills.<\/p>\n\n\n\n<p>Let\u2019s not even talk about the financial servitude here. You\u2019re a slave to the credit card issuer or banks and until you\u2019ve paid up your debts, they have control over you.<\/p>\n\n\n\n<p>It\u2019s very hard to get ahead when debt is crippling you. Imagine the amount you\u2019ll save if you\u2019re not paying massive bills every month.<\/p>\n\n\n\n<p>The money you save can be put towards your retirement. Or you can take an extra vacation every year and so on. You\u2019ll have more options when you\u2019re debt-free.<\/p>\n\n\n\n<p>The true cost of everything you purchase becomes an illusion if you rely on credit to make purchases. This is why you need to understand that if you can\u2019t pay for it with cash, that means you can\u2019t afford it.<\/p>\n\n\n\n<p>Debt will make your purchases more expensive. A $2,000 TV that\u2019s paid for with a credit card can end up becoming $3,500 or more, if all you ever do is pay the minimum amounts.<\/p>\n\n\n\n<p>This will mean you\u2019re working harder for your money because most of it is going to pay the interest on your revolving credit. You MUST put an end to debt ASAP.<\/p>\n\n\n\n<p>Below you\u2019ll find 5 steps to follow. Adhere to them closely and you\u2019ll eliminate debt once and for all.<\/p>\n\n\n\n<h2 id=\"AssessingTheSituation\">Step #1 \u2013 Assessing the Situation<\/h2>\n\n\n\n<p>This is the MOST important step of the lot and yet so many people avoid it. It\u2019s understandable. They\u2019re afraid of looking at the bills or just coming to terms with how deep in debt they are.<\/p>\n\n\n\n<p>However, you\u2019ll need to know exactly where you stand in order to formulate a debt reduction plan. What gets measured, gets managed.<\/p>\n\n\n\n<p>So, compile all your bills, loans, etc. and write down exactly how much you owe for each bill. Note down the interest rates of each card, loan, etc.<\/p>\n\n\n\n<p>Your mortgage payments, utilities, car payments, etc. should ALL be noted down. Leave NOTHING out.<\/p>\n\n\n\n<p>What you will have now is a list of all your monthly payments. Compare that against your income and you\u2019ll know why your finances are stretched.<\/p>\n\n\n\n<p>If you\u2019re married, you\u2019ll need to make a list of your spouse\u2019s bills and income too. Discuss with your spouse if both of you will be tackling debt jointly or individually.<\/p>\n\n\n\n<p>If one partner comes out of debt and the other is still mired in debt, your finances will still be affected and you won\u2019t be able to reach your full potential when investing and\/or preparing for retirement.<\/p>\n\n\n\n<p>The goal here is to eliminate debt completely.<\/p>\n\n\n\n<h2 id=\"SeriouslyBudgeting\">Step #2 \u2013 Seriously Budgeting<\/h2>\n\n\n\n<p>The benefits of having a budget cannot be overstated. But even before we create a budget, there is one IMPORTANT thing you must do.<\/p>\n\n\n\n<p>You\u2019ll want to call up all your creditors and ask them for a lower interest rate. By showing them that you\u2019re willing to make good on what you owe, they may assist you and lower your rates.<\/p>\n\n\n\n<p>In some cases, they won\u2019t \u2013 and that\u2019s fine. But you MUST ask. If you don\u2019t ask, the answer is always no.<\/p>\n\n\n\n<p>Negotiate with all your creditors and see how much you can save. If you\u2019re thinking of consolidating\/refinancing your loans, be VERY CAREFUL.<\/p>\n\n\n\n<p>Sometimes, the lower interest rates you get will only last for a short while and once the new interest rates kick in, you might end up paying more than you normally would if you were paying the bills separately.<\/p>\n\n\n\n<p>When creating a budget, you\u2019ll want to adopt a method that\u2019s known as \u2018zero-sum budgeting\u2019. In this method, every single dollar of your disposable income (take home pay) has a specific purpose to it.<\/p>\n\n\n\n<p>You\u2019re either using it for your expenses or to pay off debt\u2026 or maybe for your savings. With your budget, nothing is left to chance. It\u2019s an excellent way to keep track of your expenses and manage debt effectively.<\/p>\n\n\n\n<p>One of the bugbears that many people have is that they just can\u2019t control their spending habits. That\u2019s usually because they don\u2019t have a plan to follow.<\/p>\n\n\n\n<p>With a budget, you\u2019ll know exactly how much you can spend each day. You may even want to follow the \u2018envelope method\u2019 where you have 30 or 31 envelopes for each day of the month.<\/p>\n\n\n\n<p>Place your \u2018allowance\u2019 for that day in each envelope. For example, if your budget only allows you to spend $25 a day, you should have $25 in each envelope.<\/p>\n\n\n\n<p>Try and have \u2018zero-spend\u2019 days where you don\u2019t use any of the money in the envelope. Packing your own food for work, etc. can help you to keep the money in the envelope intact.<\/p>\n\n\n\n<p>Whatever you do, follow your budget as closely as possible. Always pay your bills first and on time before spending the money.<\/p>\n\n\n\n<h2 id=\"DebtAvalancheMethod\">Step #3 \u2013 The \u2018Debt Avalanche\u2019 Method<\/h2>\n\n\n\n<p>When it comes to paying off debt, there are 2 methods that have been proven to work. One is known as the \u2018Debt Snowball\u2019 method\u2026 and the other is the \u2018Debt Avalanche\u2019 method.<\/p>\n\n\n\n<p>Both are effective\u2026 but we\u2019ll be discussing the debt avalanche method because it\u2019s infinitely better.<\/p>\n\n\n\n<p>The debt snowball method is about paying off your smallest debts first. This will give you an emotional win because you\u2019re seeing your debts disappearing.<\/p>\n\n\n\n<p>However, this method does not pay attention to the interest rate of the different debts. As a result, the method is not as cost-effective and also takes much longer.<\/p>\n\n\n\n<p>The debt avalanche method will have you paying off your highest interest bill FIRST.<\/p>\n\n\n\n<p>For example, if you have a $4,000 outstanding balance with one card and the interest rate is 18%&#8230; whereas another card has an outstanding balance of $800 but the interest is 14%, you\u2019ll focus on the $4,000 balance first.<\/p>\n\n\n\n<p>That\u2019s because it has a higher interest rate. It may seem like paying off the $800 bill is easier and it is\u2026 but you\u2019ll be paying more in interest overall, because of the higher interest rate on the first bill.<\/p>\n\n\n\n<p><strong>This is how you\u2019ll go about paying off your bills with the debt avalanche method:<\/strong><\/p>\n\n\n\n<ol type=\"1\"><li>Arrange your bills in descending order (the highest interest rate at the top, followed by the next and so on).<\/li><li>Write down the minimum amount you need to pay for each bill.<\/li><li>Calculate how much more you can pay over and above the minimum for the first bill (with the highest interest rate).<\/li><li>Pay that amount for the first bill, while paying the minimum on all the other bills.<\/li><li>Do this until the first bill is completely paid up. Now you\u2019ll have extra money to pay towards the next highest interest bill.<\/li><li>Pay the extra you have + the minimum on the next highest interest bill\u2026 while making minimum payments on the rest.<\/li><li>Repeat the process and you\u2019ll see that with each bill cleared, you\u2019ll have an avalanche of cash to wipe out the other bills much faster.<\/li><\/ol>\n\n\n\n<h2 id=\"TrimmingExpenses\">Step #4 \u2013 Trimming Your Expenses<\/h2>\n\n\n\n<p>Once you have a budget and you\u2019re following the debt avalanche method, it\u2019ll be time to free up more of your money. The easiest way to do this will be to reduce your expenses.<\/p>\n\n\n\n<p>The money you save by reducing your expenses can either be saved or used to pay off more of your debt and accelerate the debt elimination process.<\/p>\n\n\n\n<p>No matter how frugal you think you are, you\u2019ll definitely be able to find ways to save money if you look for them.<\/p>\n\n\n\n<p>Here are just a few ways to reduce your expenses:<\/p>\n\n\n\n<ul><li>Eat at home and avoid restaurants.<\/li><li>Pack your food for work.<\/li><li>Cancel your cable subscription. Netflix and other streaming services are cheaper.<\/li><li>Avoid buying branded goods. Go for generic labels instead.<\/li><li>Save electricity at home. You\u2019ll have lower utility bills.<\/li><li>Use coupons for shopping.<\/li><li>Use public transport if it\u2019s cheaper than driving.<\/li><li>Make your own coffee instead of buying it.<\/li><li>Only use your own bank\u2019s ATMs so that you don\u2019t get charged fees.<\/li><li>Pay your bills on time and avoid late charges.<\/li><li>Declutter your home and sell off what you don\u2019t need.<\/li><li>Buy items like toilet paper, pet food, diapers, coffee, laundry detergent, etc. on sale in bulk. You\u2019ll save on expenses in the long run.<\/li><\/ul>\n\n\n\n<p>These are just some of the ways you can live frugally. Your goal should always be to get the best deal. Look for discounts, cash back savings, etc.<\/p>\n\n\n\n<p>If you have perks for using your credit card, do use them to help you save. As long as you pay off what you\u2019ve used by the due date, you\u2019ll be fine.<\/p>\n\n\n\n<p>It\u2019s important to note that even if you\u2019re in debt, the credit card is still a tool. It\u2019s not the card\u2019s fault that you\u2019re in debt \u2013 it\u2019s your spending habits.<\/p>\n\n\n\n<p>In order to use your credit card responsibly, you\u2019ll still need to use it and pay up your bill on time. As long as you stick to your budget, you can still use your cards without any issue.<\/p>\n\n\n\n<p>Your debt repayment plan will be on track and your credit score will also improve over time.<\/p>\n\n\n\n<h2 id=\"AcceleratingTheProcess\">Step #5 \u2013 Accelerating the Process<\/h2>\n\n\n\n<p>One of the best ways to speed up debt reduction will be to earn more. Once you\u2019ve trimmed your expenses to the best of your ability, the only way to do better is to increase your income.<\/p>\n\n\n\n<p>You can do this by taking on a second job on a part-time basis. You could become an Uber driver or paint fences. Any job such as pet sitting, babysitting, house sitting, dog walking, etc. will help you earn more.<\/p>\n\n\n\n<p>If you have a trade skill such as plumbing, air-con repair, etc. you could have your own side hustle and make good money, especially when your services are required after office hours. Your rates can be higher and you can make more.<\/p>\n\n\n\n<p>It may seem like you\u2019re working harder than ever and that may be true\u2026 but you only need to do so until about half your debts are paid up. This refers to your revolving credit such as your credit cards, etc.<\/p>\n\n\n\n<p>Once you\u2019ve paid up half your debt, the income you make from your day job and the debt avalanche method will help you pay off the rest of the debt much faster. It\u2019s ALWAYS toughest at the start.<\/p>\n\n\n\n<p>When 50% of the debt is paid off, you\u2019ll be able to breathe a sigh of relief. You can then decide if you want to carry on with your side hustle and pay off the rest of the debt fast \u2013 or stick to your day job and go slower.<\/p>\n\n\n\n<p>There\u2019s no right or wrong answer here. Do what\u2019s right for you. Debt can take a long time to settle. So, it\u2019s better to ramp things up a little to speed up the process.<\/p>\n\n\n\n<h2 id=\"in-conclusion\">In conclusion\u2026<\/h2>\n\n\n\n<p>Besides the pointers above, you\u2019ll also want to track your spending closely. Monitor your expenses weekly, rather than monthly.<\/p>\n\n\n\n<p>If you find it hard to hold yourself back from spending, cut up your credit cards so that you\u2019re not tempted to spend. Use cash for everything. It\u2019ll help you stick to your budget easier.<\/p>\n\n\n\n<p>It\u2019s also important to know that the short-term thrill of instant gratification that accompanies a purchase will never be better than the feeling of being debt-free.<\/p>\n\n\n\n<p>Shopping is NOT a good form of emotional therapy, if you\u2019re prone to debt. Find other ways to bring yourself joy.<\/p>\n\n\n\n<p>Watching a movie at the cinema is not really that much different from watching a movie on Netflix at home. It\u2019s just cheaper at home and you\u2019ll save money by not getting a ticket or paying for overpriced popcorn.<\/p>\n\n\n\n<p>Look for ways to improve your skills so that you can earn more in the marketplace. If you enjoy the finer things in life, your income must be in alignment with your desires. The more you earn, the more you can spend (within reason).<\/p>\n\n\n\n<p>Use the tips in this guide to get rid of debt and make a promise to yourself that you\u2019ll stay debt-free forever.<\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-group\"><div class=\"wp-block-group__inner-container\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h4 class=\"has-text-align-center has-text-color\" style=\"color:#6a5acd\">Amazon Recommendations<\/h4>\n\n\n\n<div id=\"amzn-assoc-ad-54c2a3c9-c0ce-4924-931a-606f07498fba\"><\/div><script async=\"\" src=\"\/\/z-na.amazon-adsystem.com\/widgets\/onejs?MarketPlace=US&amp;adInstanceId=54c2a3c9-c0ce-4924-931a-606f07498fba\"><\/script>\n\n\n\n<br>\n<div class=\"aligncenter\">\n     <script type=\"text\/javascript\">\n       \tamzn_assoc_ad_type = \"banner\";\n\tamzn_assoc_marketplace = \"amazon\";\n\tamzn_assoc_region = \"US\";\n\tamzn_assoc_placement = \"assoc_banner_placement_default\";\n\tamzn_assoc_campaigns = \"outlet\";\n\tamzn_assoc_banner_type = \"category\";\n\tamzn_assoc_p = \"13\";\n\tamzn_assoc_isresponsive = \"false\";\n\tamzn_assoc_banner_id = \"1KA700EB7TH3DJSRA6R2\";\n\tamzn_assoc_width = \"468\";\n\tamzn_assoc_height = \"60\";\n\tamzn_assoc_tracking_id = \"srfrontier-20\";\n\tamzn_assoc_linkid = \"5a3e368c654e37fd473b690d2ceaf032\";\n     <\/script>\n     <script src=\"\/\/z-na.amazon-adsystem.com\/widgets\/q?ServiceVersion=20070822&amp;Operation=GetScript&amp;ID=OneJS&amp;WS=1\"><\/script>\n    <\/div>\n<br>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<div class=\"seriesmeta\">Part 1 of 5 in the series <a href=\"https:\/\/sunrisefrontier.com\/home\/series\/financial-planning-2021\/\" class=\"series-51\" title=\"Financial Planning\">Financial Planning<\/a><\/div><p>Why Debt is so Insidious \u279e Assessing the Situation \u279e Seriously Budgeting \u279e The &#8216;Debt Avalanche&#8217; Method \u279e Trimming Your Expenses \u279e Accelerating the Process \u279e (Photo by Dylan Gillis\/Unsplash)<\/p>\n","protected":false},"author":1,"featured_media":632,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","spay_email":""},"categories":[5,12,10,4,13],"tags":[59,61,60],"series":[51],"author_meta":{"display_name":"Sunrise Frontier","author_link":"https:\/\/sunrisefrontier.com\/home\/author\/sunrise-frontier\/"},"featured_img":"https:\/\/i0.wp.com\/sunrisefrontier.com\/home\/wp-content\/uploads\/2021\/09\/5StepsToEliminateYourDebt.jpg?fit=300%2C200&ssl=1","coauthors":[],"tax_additional":{"categories":{"linked":["<a href=\"https:\/\/sunrisefrontier.com\/home\/category\/business-development\/\" class=\"advgb-post-tax-term\">Business Development<\/a>","<a href=\"https:\/\/sunrisefrontier.com\/home\/category\/home-and-community\/\" class=\"advgb-post-tax-term\">Home &amp; Community<\/a>","<a href=\"https:\/\/sunrisefrontier.com\/home\/category\/morale-and-wellbeing\/\" class=\"advgb-post-tax-term\">Morale &amp; Well-Being<\/a>","<a href=\"https:\/\/sunrisefrontier.com\/home\/category\/personal-development\/\" class=\"advgb-post-tax-term\">Personal Development<\/a>","<a href=\"https:\/\/sunrisefrontier.com\/home\/category\/special-features\/\" class=\"advgb-post-tax-term\">Special Features<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Business Development<\/span>","<span class=\"advgb-post-tax-term\">Home &amp; Community<\/span>","<span class=\"advgb-post-tax-term\">Morale &amp; Well-Being<\/span>","<span class=\"advgb-post-tax-term\">Personal Development<\/span>","<span class=\"advgb-post-tax-term\">Special Features<\/span>"]},"tags":{"linked":["<a href=\"https:\/\/sunrisefrontier.com\/home\/category\/special-features\/\" class=\"advgb-post-tax-term\">Budgeting<\/a>","<a href=\"https:\/\/sunrisefrontier.com\/home\/category\/special-features\/\" class=\"advgb-post-tax-term\">Debt Reduction<\/a>","<a href=\"https:\/\/sunrisefrontier.com\/home\/category\/special-features\/\" class=\"advgb-post-tax-term\">Financial Management<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Budgeting<\/span>","<span class=\"advgb-post-tax-term\">Debt Reduction<\/span>","<span class=\"advgb-post-tax-term\">Financial Management<\/span>"]}},"comment_count":"0","relative_dates":{"created":"Posted 5 years ago","modified":"Updated 4 years ago"},"absolute_dates":{"created":"Posted on September 28, 2021","modified":"Updated on July 18, 2022"},"absolute_dates_time":{"created":"Posted on September 28, 2021 9:47 am","modified":"Updated on July 18, 2022 12:46 pm"},"featured_img_caption":"","series_order":"1","jetpack_featured_media_url":"https:\/\/i0.wp.com\/sunrisefrontier.com\/home\/wp-content\/uploads\/2021\/09\/5StepsToEliminateYourDebt.jpg?fit=1400%2C933&ssl=1","jetpack-related-posts":[{"id":604,"url":"https:\/\/sunrisefrontier.com\/home\/budgeting-101-what-you-must-know\/","url_meta":{"origin":591,"position":0},"title":"Budgeting 101: What You Must Know","date":"October 12, 2021","format":false,"excerpt":"Why You Need a Budget \u279eYour Budget Must Have a Goal \u279eEliminate Debt FIRST! \u279eSave Up an Emergency Fund \u279eZero-Sum Budgeting \u279eBudgeting with the 'Envelope System' \u279eAim for 2 'No Spend' Days a Week \u279eTracking Your Spending \u279eTrimming Your Expenses \u279eThe 50-30-20 Rule \u279eChange Your Money Script \u279eIn Conclusion \u279e\u2026","rel":"","context":"In &quot;Business Development&quot;","img":{"alt_text":"","src":"https:\/\/i0.wp.com\/sunrisefrontier.com\/home\/wp-content\/uploads\/2021\/10\/Budgeting101-WhatYouShouldKnow.jpg?fit=1200%2C768&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":598,"url":"https:\/\/sunrisefrontier.com\/home\/10-personal-finance-pointers-for-young-adults\/","url_meta":{"origin":591,"position":1},"title":"10 Personal Finance Pointers For Young Adults","date":"October 26, 2021","format":false,"excerpt":"Become Financially Literate \u279eEliminate Debts \u279eCreate a Budget \u279eFind a Healthy Balance \u279eEarn More \u279eUnderstand the Magic of Compounding Interest \u279eMake Intelligent Financial Decisions \u279eMax Out Your Retirement Accounts \u279eInvest, Invest, Invest \u279eMarry Wisely \u279eIn Conclusion \u279e (Photo by Tezos\/Unsplash) \u201cYou must gain control over your money or the lack\u2026","rel":"","context":"In &quot;Home &amp; Community&quot;","img":{"alt_text":"","src":"https:\/\/i0.wp.com\/sunrisefrontier.com\/home\/wp-content\/uploads\/2021\/10\/10PersonalFinancePointersForYoungAdults.jpg?fit=1200%2C800&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":595,"url":"https:\/\/sunrisefrontier.com\/home\/15-crucial-financial-planning-tips-for-couples\/","url_meta":{"origin":591,"position":2},"title":"15 Crucial Financial Planning Tips For Couples","date":"November 9, 2021","format":false,"excerpt":"Discuss Money Before Marriage \u279eSee Where You Stand Financially \u279eCreate a Budget \u279eSet Boundaries \u279eHave Separate Bank Accounts \u279eEliminate Debt \u279eAvoid Debt \u279eSave Up an Emergency Fund \u279eOne Person Pays the Bills! \u279eDecide on the Contribution Ratio \u279eSet Financial Goals \u279eSingle Income or Double Income? \u279eTrim the Expenses \u279eDiscuss Retirement\u2026","rel":"","context":"In &quot;Home &amp; Community&quot;","img":{"alt_text":"","src":"https:\/\/i0.wp.com\/sunrisefrontier.com\/home\/wp-content\/uploads\/2021\/11\/15CrucialFinancialPlanningTipsForCouples.jpg?fit=1200%2C800&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":600,"url":"https:\/\/sunrisefrontier.com\/home\/10-retirement-planning-tips-you-must-know\/","url_meta":{"origin":591,"position":3},"title":"10 Retirement Planning Tips You Must Know","date":"November 23, 2021","format":false,"excerpt":"What Does Retirement Mean to You? \u279eCalculate How Much Money You'll Need \u279eEliminate All Debts \u279eMax Out Your Retirement Accounts \u279eInvest Wisely \u279eUnderstand How Social Security Works \u279eLearn How to Reduce Your Taxes \u279eEnsure You Have Good Health Insurance \u279eCreate a Side Income \u279eEstate Planning \u279eIn Conclusion \u279e (Photo by\u2026","rel":"","context":"In &quot;Home &amp; 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