RULE 1: Continue to pay your household debt down until you reach $0.00 in indebtedness. I’m there and will hold personal debt at $0.00.
RULE 2: Live cheaply. I, a person of means, have lowered expenditures that I call “lifestyle” expenditures to 15% of my traditional expense level. (In the U.S. Make sure you vacation in a friendly clime where fiscal responsibility is applauded.)