A character in the Shopaholic series from Sophie Kinsella tells the main character, who’s up to her eyeballs in credit card debt, she can either spend less or make more money.
Most people in the same situation try to spend less. So many financial books and blogs (even mine) focus on cutting your expenses.
But the biggest thing I realized while paying off my debt was that spending less wasn’t enough.
If you’re only making $28,000 a year, you can only cut so much before you...