7. Adopt a Frugal Lifestyle

Always remember that being frugal does not equate to being miserly. So, do not furrow your brows when told to be frugal. A frugal lifestyle is one where one adopts cheaper ways of living. Such people always find a way to save money, yet stay miles away from the category of misers. To be frugal, you just need to tone down your lifestyle and adopt simpler ways of living. These include – packing lunch for office from home, making your own coffee, commuting, carrying hankies instead of tissue paper and the like. It only shows that they wish to save money but not resort to miserly ways. It is tough to be so, especially if your peers lead a lavish lifestyle. Still, be brave and go forth with it as you are facing debt.