Live Like No One Else
No one wants to sacrifice unless you get to win as a result. The only way to win with money is to live like no one else so later you can live like no one else.
If you live beyond your means and never sacrifice to get out of debt, never learn to budget, never learn to save money, you will live a life of meteocrity. But now you have a chance to be better than average. You kill it for a short period of time. For 2-4 years you bananas, get the house paid off and the kids college fund behind you, and then there is nothing left to do with all of that done except pile up the money, become wealthy and give a bunch of it away. You will not be successful until you learn to sacrifice.
The bible says "No discipline seems enjoyable while it is happening - it's painful! But afterwards there will be a peaceful harvest of right living for those who are trained this way" - Hebrews 12:11. It's not fun while you are doing it, but it works. Live like no one else now, so later you can live like no one else!
Book: Purchase Dave Ramsey's "The Total Money Makeover Workbook" at our Crossroads eStore