It’s easy to slip into spending habits that lead to debt. The trick is to climb out of that debt before it becomes a serious issue for you and your family. Here are a few ways to reverse and prevent some of those debt-causing habits:

Avoid credit cards

One of the first preventative measures you should take is to avoid using credit cards as much as possible. Use money you know you have; live within your means and you’ll be able to reverse some of those bad spending habits.

Automatic payments

Schedule online payments through your bank to automatically pay bills that come your way. This way, you’ll never be late on a payment and these pre-scheduled payments will become the first priority for each paycheck.

Save on food

Pack lunch instead of going out for lunch everyday. This simple and healthy habit will help you save money and encourage you to choose more nutritious lunch options.

Limit how many times you and your family go out to eat at restaurants during the week. If you’re running low on time during the week, try to prepare some extra meals over the weekend to freeze for weeknight meals.


As your family grows, or your financial situation changes, AAFMAA’s CAP Loan might be a great way to help boost your online business to the next level or help give your expensive little bundle of joy everything he or she needs to get a great start in life.

If you or your spouse are an active duty member of the Army, Marine Corps, Navy, Coast Guard, Air Force or Guard/Reserve, with ranks of E5-E9, WO1, CW2 or O-1- O-3, then this opportunity is available for your family.

The service member has to be an AAFMAA member with a $250,000 term policy, or a $50,000 whole life insurance policy, to be eligible.  Don’t worry if you’re not already a member; you can apply for life insurance and the loan at the same time.

The $4,000 loan only has a 1.5% annual percentage rate (APR). Another handy detail is that you have 48 months to repay the loan through the military allotment system.

The CAP Loan is a unique resource to help your family get that little extra oomph to meet your long and short term goals and expenses.

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