Canna Campbell

But of course, continue on leveling up and focus on the long-term growth assets, the shares, Australian shares, international shares, property, and then set up a regular contribution plan, a regular investment plan, that is.

So it's $10 per week, $100 per month, but review it on a regular basis.

You continue on upping the ante.

You're doing what you can safely afford.

And of course, make sure those dividends are reinvested automatically, ideally.

All right, stop using your credit card immediately because at least that quarantines the debt.

But I also recommend taking it off your phones, out of your Apple wallet, taking it off your computer so nothing's automatically saved.

That will make it so much harder.

So you want to create some friction between going to buy something and then going and having to find your car because you'll go, oh, you know what, I can't be bothered getting up.

I'll do this later and you'll probably forget about what you're about to purchase, which is something I have found myself many a times when I've delayed paying.

I love that.

Make it really hard for yourself.

For example, my recent hack is to not eat as much chocolate.

I don't have it in the house.

So if I want chocolate, I have to

Get in the car, drive up the road, get into the shops, walk around the supermarket, wait at the checkout, pay.

All of a sudden, don't have that chocolate craving as badly.

Then, of course, listing the balances.

Using my hit list strategy where you focus on the smallest debt first and work your way through the list to the largest debt that you owe.

Really making sure that this is a priority for you because there is such a toxic parasite around.