What will the future hold for you once you get over your debt and finally become financially free of the burden that has stressed you for so long and stopped you from sleeping at night?
With your debt cleared, and excess funds available each month over and above your expenditure, you need to consider the best way of handling this additional money.
What you don't want to do is to get back into the situation you were before where you start spending on things that you don't need and building your debt back up again.
Just consider how much better your life is without the debt and compare that to the time when you were always stressed out and finances were on your mind day night. Then ask yourself was it worth it and do you want to go back there.
Most people will admit that it is unpleasant to be weighed down with the stress of overwhelming debt and by having followed the process that reduced and then eliminated your debt you can continue to use that basic model of having a budget and sticking to that budget to build up a nest egg of funds that can ensure a good quality of life as you age.
You will probably have a different attitude to wants and needs and find that the quality of life doesn't depend on the material things that you own but rather the things that you do that are memorable on a day-to-day basis.
You need to continue setting goals but now the goals won't be to reduce debt but rather to invest money that will create long-term wealth for your future.
A future without these is the most wonderful position to be in as that gives you the freedom to do what you like when you like and that is more than most people will ever get to appreciate.
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