If you need to stay motivated to stay debt free, then you probably need a little bit of education when it comes to your spending habits. Do not take it as a personal criticism, but those who are falling into debt regularly and need to take on personal loans for things other than education, medical procedures, or home or auto purchases, probably need to think twice about how they are spending their money.
If you are finding that your spending habits are winding you up in a bit of trouble each month, and that you are living even beyond paycheck to paycheck, but payday loan to payday loan, then you definitely need to think about how you are spending your money. Try to consider not only what you are spending your money on, but where you are spending it, and you will find that you can make changes that end up saving you a load of money.
Once you put your spending habits under the spotlight, you will be able to find areas in which you can save money regularly. For example, if you love having the latest gadgetry, that is great. But you need to make sure you take care of it. If you are buying a new phone every few months because you are not very cautious with your personal items, then you should consider investing in an iPhone 6 case. With the simple investment of an iPhone 6 case, you will be able to protect your greater investment of a phone that can cost almost $1,000. Rather than throw away money every few months on a new phone, simply because your last one fell and cracked, invest in a case that will protect your phone from cracking if you ever drop it.
If you take a few simple preventative measures to ensure that your items stay in good shape, you will find that you will end up spending less money over time. If you want to get your personal finances into order and not take out so many personal loans, you definitely need to consider how you can modify your spending habits.