Taking Charge of the Charges You Owe

To get yourself out of debt, you have to go from being a passive to an active manager of your money.

It’s been a seismic shift. I’ve gone from feeling buffeted on the waves of my finances—either swept along on the crest of the good, relatively lucrative times or sinking under the swell of the demands on my paycheck-to-paycheck lifestyle—to being in control of how my money comes in and goes out and how it works for me.