If you’re like many Americans you are drowning in personal debt, looking for a way out. The BDC is a free resource to help you change your lifestyle, use reliable budgeting techniques and get rid of debt as part of your journey toward financial freedom. The BDC is an exciting, practical and easy way to join together and overcome major financial challenges.

Use these tips to Start taking control of:



Does your current lifestyle support what you want out of life? Do you even know what your life goals are? It’s time to adjust your attitude and focus on what’s most important.
  • Decide that you want a life full of meaning and purpose so that you can align your priorities including financial goals.
  • Re-evaluate lifestyle choices. For instance, if you pay for premium cable and spend a lot of time watching shows does that satisfy your life goals? Can you think of better uses for that time and money?
  • Prepare your own meals instead of eating out. Only eat out when you have included special occasions or motivational rewards in your budget.
  • Cut back on in-home entertaining or switch to pot-luck events where everyone contributes.
  • Walk instead of driving. Use public transportation instead of driving or private transport. If you lack public transportation, join or create a car pool.
  • Cut back on high-cost entertainment. Take advantage of free or low-cost entertainment provided by your city, county and state including parks, museums and concerts.
  • Join a public library instead of buying books and movies. Many libraries also offer other perks such as free programs, courses and Wifi service.
  • Make time to do household chores instead of paying for help such as lawn, pest and maid services. Find ways to create family activities for bonding instead of spending. If you need extra help, find cheaper alternatives such as entrepreneurial teens, non-profit programs or people available through online help services.
  • Start volunteering in an area for which you hold a passion. Volunteering can lead to other opportunities including jobs and networking, advice and tips, resource sharing, etc.
  • If you buy things because they make you feel better or for social status, focus on how much better you will actually be when you have financial freedom and can give back to society.
  • Examine the excuses you rely upon to allow yourself to splurge. For instance, you may need a cell phone but do you need to latest model or annual upgrades?
  • Speak up for yourself and make a habit of asking what discounts are available. Many retailers and service providers have discounts that are not disclosed unless you ask.
  • When making job changes, learn how to negotiate aggressively upfront – when the employer is most likely to give you the best deal. When you know you are a valued employee, don’t be afraid to renegotiate your salary and benefits — if you are willing to change jobs if the employer does not value you appropriately.
  • Get in the habit of seeking out and acting on information that helps you save money, such as mortgage or loan refinancing. Make sure you read fine print and can spot “bait and switch” scams.
  • Start thinking about your retirement and the lifestyle you’ll want when you are older. What do you have to do today to create the future you want?
  • Make a list of your values. Examine if your lifestyle habits are in line with those values.
  • Become a consumer by establishing a habit of doing basic research before buying things so you can better understand the value, the expected shelf-life and the use.
  • Become more actively involved in your church. Many churches offer financial opportunities, such as scholarships, or other opportunities, such as references or dfree® financial freedom programs, that help with financial undertakings.