step eight is to save up for big purchases a TV or a refrigerator to a car like a lot of people are used to just going into debt for it but when that's your mindset and again you go back into debt and you start using your income to pay payments that is money that is not working for you and so getting in the habit of saying okay I'm probably going to delay some gratification for this big purchase and actually save up for it and it may mean that you're going to purchase it later than you really want to but again it's giving you the power of using cash instead of getting back into that payment cycle which is just terrible
