DON'T LET A "TREAT" SCREW UP YOUR PLAN TO CRUSH YOUR DEBT!

Sometimes, when you're working your plan to pay off debt and get to your debt free dream, you feel the need to treat yourself to something!  I came across a really neat budget tool to help decipher the 'cost' of opting to buy yourself a 'treat' while you are working your plan to pay off debt.

For those of you who know my personality or work with me one on one, I'm a FACT based decision-maker.

I ask my clients to look at both the pros and cons  of decisions BEFORE making them. It's easier to 'own' your final decisions knowing the impact it has on your goals/plan.  It's so important to look at the 'treat' and know HOW it will affect your debt pay down plan.

For example,  if you currently are on task to pay off all of your debt within the next 46 month, a 'treat decision' can actually delay you by many additional months, maybe even a year. For example if you are currently paying down $22,000 of debt at an interest rate of 12.99%, making normal monthly payments, a $4800 Disney Vacation 'treat' would actually become a $6119 vacation!

Click the link and try it yourself…

http://www.whatsthecost.com/treats.aspx


Treating yourself occasionally can be a good way of keeping motivated or rewarding yourself while dealing with debt. This calculator isn't designed to convince you not to treat yourself, simply to give you an idea of the real cost!