Downsizing, sticking to a budget, spending wisely and focusing on financial and travel goals will make you much happier.
Plan a realistic budget as a foundation and take into account everything money is spent on like going out, loan payments, housing and groceries.
The goal will be to get the budget to look like this:
50% of income goes to necessities, housing, food, utilities.
30% can be used for wants, travel!!!
20% goes to pay debt and save money for retirement.
No more living on credit! If it can't be bought with cash, then don't buy it and is it really needed? Nope, the focus is to travel more and get out of debt. Sell what you don't use or need and put the money towards paying off debt. This will make for a more peaceful life and more travel!
