The Simple Life to Stop All Creditors.

If I were going to sum up the whole "live debt free and prosper" theory, I would do it by simply saying "SPEND LESS THAN YOU EARN.  That's it, simple huh?  Too bad so few actually do it.  You've all heard the saying "it's not how much you make, it's how much you keep", so why hasn't it sunk in yet?  Figuring out all the logistics involved with spending less than you make is the difficult part.  Keep your life simple by not getting involved in all the shell games (credit cards, zero percent interest, etc..) that make it seem like you really can afford that new something or other.  If you want or need something, pay cash and move on.  What's that, you don't have enough cash to pay for it right now?  THEN DON'T BUY IT, you can't afford it.  Credit cards are designed to allow you to spend money that you don't yet have.  It is a trap, steer clear.  Don't try to out smart the credit industry, it's like playing with snakes...eventually you'll get bit.  I bet everyone knows someone (or is someone) who is flat broke but has a 46" LCD TV, a $100 cell phone plan, expensive rims on the car, etc..  Notice anything wrong with the situation.  Pay yourself first, then you can spend the rest of your cash on your needs/wants.  So simple, yet so difficult.