We have all been there, bills are piling up, debt is becoming overwhelming and we don’t know if we can ever stop stressing out about our finances.

Then things start to get a little better, we find ways to cut costs, we make a plan to eliminate the Dragon Hordes, but why is this so important? Yes, it’s important to be debt-free to improve our credit scores and so we don’t have to deal with as much stress but can being debt-free and having control of our finances make us happier people?

Being debt-free means you can plan for your future whether that means starting a family or saving for your retirement. It means not having to worry when emergencies come up because you know it will not send you into a tailspin of financial downfalls. It means being able to go on all of those adventures you always wanted to go on or building that castle you only ever dreamed about.

All of a sudden the unattainable is no longer a pipe dream.

But it’s not just the benefits of being debt-free that make us happier it’s the journey to get there as well. Hope that there is a light at the end of the dungeon. It’s the feeling of accomplishment as each Dragon Horde is paid off and staying on top of our bills becomes easier and easier. It all starts with a budget and a plan, even if it seems impossible. Making that budget is the start. See what your spending patterns are, where you can cut costs.

Maybe not today and maybe not even this year but someday you can payoff the last Dragon Horde and be the adventurer you always wanted to be.