4. Stick With Your Goals
Saying that you are going to stop eating out so much is one thing. Getting some recipe cards and cooking meals at home for a week is a step in the right direction. But you have to keep with the program to see long-term results.
When things get hard, keep making payments towards your debts. Keep up with your regular savings plan. Keep shaving money off of your monthly expenses so that you can plan for the future. Stick with your goals so that one day, you can start seeing meaningful results and eventually escape the middle class.