So, clearly, the number one cause of debt is trying to live in a place that you can’t afford to live.

Whether that’s in a house that is more than you can afford, or by having cars that are too expensive, or even by going on trips that cost more than you expect them too.

For me, it was just buying crap I wanted, but didn’t need. We live in a rather large Victorian Farmhouse and I spent a great deal buying things to fill it up.

Turns out, I hate all the stuff. Not just because it caused the debt, though that does contribute to my opinion. Mostly it’s because I hate clutter. I always have. I’m slightly OCD and can’t stand for things to be lying about. And when you have lots of stuff, there is nothing else for it to do but lie around and fill up your closets and generally be too much.

In a strange twist it turns out that I’d be much happier if I just got rid of 90% of it and lived in a much more simple manner.

The chase of having it all just leads to wanting more and more and more.

That is where we need to make changes. We need to pay attention to the things that are pushing us to want more. And fix that.

You need to really analyze why it is that you are making a purchase. and ponder over whether a cheaper option would work just as well.

Can you make do with your car for another year rather than add more payments to your budget? Are you just wanting a new car because everyone else has one?

Are you going on a trip because you can afford it, or just because you want to outdo the trip someone else just took?

Are you filling your life with things to feel fulfilled when helping other people will do the job a whole lot better?

Unfortunately, it’s hard for any of us to figure out exactly why we are wanting anything. We don’t want to admit that we have issues. Or that we might be just trying to fill a void with junk.

That’s where the real work begins – when you figure out why you are spending money that you don’t have. That’s when you can stop doing it.┬áBecause at that point, you can finally fill yourself up with the stuff that really matters in life.

And none of the stuff that matters is ever really just stuff.