Getting debt free is a tough challenge. There are many obstacles to overcome. Such as deciding how to pay off your debt, which debt you should pay off first, or for the least part staying focused.
But there is one challenge that you will face.
Can you handle the negative pressure that paying off your debt consists of? Keeping negative pressures off of you while you are trying to get debt free is hard simply because debt is in itself is a negative word.
Think about it.
What is the first thing you think about when I say the word “debt?”
I bet they aren’t happy thoughts for the least part. Debt in itself is a negative term.
So how do you hold off these negative feelings and get past it?
1. You need to except that you are in debt and that you need to solve this problem before it gets any worse. I have seen times where people literally believe that they can’t become debt free so they create more debt by getting more credit cards.
You may think that isn’t any new advice but how many of us actually like to say we are in debt. Much less admit we need help. Some people can be very open about it but for the most part any client I have ever talked to never liked to mention it.
2. Stay away from anyone or anything negative. If you are a negative person by nature then go on a negative free diet.
If you have issues with debt collection agencies calling you don’t talk to them. Turn of your answering machine or cell phone. These calls will only drag you down more.
Also stay away from anything written that is negative. This could be an article in the paper or magazine, something on the radio, something on television, or even the statements and other trash you may get in the mail. You can keep the statements but don’t spend a lot of time reading them. A lot of times I find that just reading the statement can be an emotional energy drainer.
This will be hard to implement just because most things generally are geared to a negative aspect. With all the negative trash out there these days this will definitely be a test of your will.
3. Put an achievment poster together. This is a simple picture which will show you all the exiting benefits you will receive once you are debt free. This can be done on a big poster board all the way down to a simple sheet of paper.
The idea is to put a list of things you will do once you are debt free. If you want to go one step further type them out and then put pictures with each thing you will do once you are debt free.
For example if your goal when you become financially debt free is to go on a nice vacation to Aruba. Then find pictures of what it would be like once you achieved this. Such as a picture of a couple sitting on the beach watching the sunset. Then post it on your refrigerator or in a familiar place so that you will see it everyday. This way it reminds you of what you will achieve once you get there.
4. Have fun! Being in debt doesn’t mean that you can’t have fun. It just means you can’t spend money like you got holes in your pockets.
They’re lots of things you and your family can do to have fun while trying to hold down extra spending. You can go to the beach, invite a few friends over, or take a walk. Those are a few things my family and I have done.
Get creative! Make it fun.
Last but not least.
Don’t wait to implement these ideas. Start now. Don’t just let this be another article you read, do it now. I find somewhere between reading and doing most people get lost. Maybe that’s why so many people just can’t get out of debt.
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Hello. I was reading someone elses blog and saw you on their blogroll. Would you be interested in exchanging blog roll links? If so, feel free to email me.
Thanks.
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