Better than losing

On a treadmill at my local gym I remembered the words of a former boss. He was physically fit with a narrow waistline and great energy. When I asked him his secret he said, "It's easier to avoid putting weight on than to take it off."

On the treadmill I was trying to take weight off whereas I should have avoided the high calorie foods.

Then I thought of how long it took to pay off student loans that could have been avoided. Next I thought about credit card servitude-bondage that lasted for years.

My conclusion? Avoid debt like it's a 5,000 calorie meal!

Debt avoidance trumps debt elimination.