How To Stay Motivated When Paying Off Debt

When you are working you way out of debt, it is often not difficult in the beginning. Picturing yourself as debt free can be thrilling for someone who has suffered under the burden of mounting bills for so long. If you do not plan to use debt consolidation services, you may even be excited as you come up with all the ways that you can cut back and start to pay off debts.

A month later the enthusiasm has died down or you may even have already forgotten your vow to change your life. You had a hard day and deserved a reward or you feel like spending a little extra money on coffee and you think dining out won’t make much of a difference at this point. Basically, you lost your motivation. You need to learn how to stay motivated when paying off debt.

Find New Ways To Enjoy Yourself

While once you used money to pave the way to happiness in every part of your life, now you are cutting back. You just need to remember that the fun in life can exist without you spending money. It will take a little effort at first but you can have a fulfilling, enjoyable life without paying for everything.

How to save money on food? While once you may have eaten at restaurants or at fast food joints, now you want to eat at home more. Of course, this is not going to be fun if you don’t put any effort into it. If, however, you learn how to cook your favorite meals at home then you can enjoy all the food you used to for a lot less.

The same goes for entertainment. It’s true that you won’t be able to go to all the same events and hot spots that you did while you were spending without a care but you can still have your fun. Search online or check the newspaper for free local events.

Many cities have free concerts in parks. Parks often have free programs for enjoying nature. Local libraries often sponsor free events. Tourists can find free things to do. So can you.

Stop Thinking About Debt

If every move you make is going to be made with the intention of paying off debt then how can you not think about debt? That’s easy. Every topic has two sides, a positive side and a negative side. When you think about debt you’re focusing on the wrong side.

If you’re always thinking about your debt then you will constantly feel discouraged. Focusing on your debt is not pleasant. It does not make you feel inspired. In fact, it makes you feel lousy. Who would want to keep up with a lifestyle focus that makes them feel lousy?

You need to be thinking about being free from debt. Even better, picture yourself long after your finances have recovered. See yourself always having more money than you need and enjoying the good life. See yourself in the life you want to have and you will always feel inspired. Do not focus on the aches and pains that you feel while running this race. Concentrate on that glorious moment when you cross the finish line.

Staying motivated when you are paying off debt is done by making life fun. Take your attention away from the negative and find new positive points in life to focus on. Staying motivated when paying off debt just means making yourself happy while you work toward a better life.

--------------------------------------------------------------------------------------------

If you liked this article, get email updates (they're FREE)

Enter your email address:

Delivered by FeedBurner

--------------------------------------------------------------------------------------------
About FPT Guy