For me - I must have my hair hi-lighted but I can do without pedis. I must have splenda for my coffee but I can give up buying candy. I must have fresh fruits and veggies but can do without eating out. These small changes make a real difference.
So you have to decide what is important to you and what to give up.
I live completely debt free. That means no credit cards, no college debt, I ONLY pay cash or use a debit card for all transactions. I live below my means. I make choices daily on what I need and what I can do live without. I live guilt free when it comes to money. I have for many years. I paid cash for my car. I paid cash for my plush cat and dog. Everything in my home is paid for - all appliances, all furniture, all bedding, EVERYTHING!
I have not always been this way. I used to have credit cards. I used to spend my paycheck on ridiculous things. I had debt.
I got feed up and decided it was time for a change a BIG change.
I took my lunch to work. I lived in a crappy apartment. I worked 2 sometimes 3 jobs at a time. I never ate out. I never went out with friends. I did not have a gym membership or cable. I did not ever take a vacation. I sold everything that I did not want or need. People made fun of me. They thought I was crazy - when I ate tuna for about 2 years straight. I brought my water in a jug to work instead of buying it. I only turned on the heat and ac when I really needed it. I took everything to the extreme but it paid off.
When I look back and now that I can pay cash for everything - all of the sacrifices that I made for soo many years were so worth it.
You too can live debt free! It takes a lot of stress out of your life!!