Though the second quarter has only just begun, I’ve decided to review how I’m doing so far, mainly because many of these goals I started in March and I’ve had a whole month to reflect on my progress. For a recap, my second quarter goals included

It’s not rocket science knowing that the key to being debt free is to spend less than you earn. But talking about it is much easier than doing it, which is why so many Americans are strapped with debt.

So how can one successfully pay off debt? With a lot of sweat and tears, apparently.