One day I woke up and decided to stop living paycheck to paycheck. I remember the day clearly. We had more month than money, our checking account was in the red and we had about $136 in our savings account. That's a bad day. It is days like that you feel you won't overcome, that you will always be in debt, that you will always feel the noose of credit cards and bad decisions and self-doubt. But you won't. I am speaking directly to you, sister. YOU WON'T. You can break the cycle, you can get off the crazy train, you can own your life, get out of debt and stop living pay check to pay check. Okay, so how does one break the crazy cycle? These are the things that worked for our family while we were working to become debt free.