DRJ blog header 10 2018

Budgeting Essentials Blog

Helping you master the practical essentials of Budgeting, Cash Flow, Accounting and Debt Relief.
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How do I keep myself encouraged?

Being on a serious debt relief journey can present opportunities to become discouraged.  If you prepare ahead of time you can be ready when discouragement tries to creep up on you. Learn more in this week’s blog.

Even the most motivated person has times when discouragement tries to jump on them. When you are making progress on your goal, something will come up that you want to buy or do.  Don’t wait until that happens to you to try to figure out what you are going to do about it.  Having a plan in place will help you deal with what is coming against you.

The first thing that you have to know is that discouragement will to try to get you.  Let me emphasize the try part.  You don’t have to become discouraged.  Discouragement is a choice.  If you are surprised when discouragement comes or if you don’t have a plan to deal with it, you are more likely to succomb to discouragement's tentacles.

One of the things that you need to be aware of are your trigger points, hopeful purchases or things you wish you could buy.  These are the things you want to buyand when you can't you become discouraged.  Once you have identified them, STAY AWAY!  For example you may like to buy things when you go to the mall.  If that is true, you probably also get discouraged when you can’t buy something.  The solution to that is this:  DON’T GO TO THE MALL!  You are setting yourself up for disappointment.

In addition to staying away from your hopeful purchases, research entertaining things that you can do inexpensively.  You can plan these activities ahead of time so you have something to look forward to.  Focus on what you are going to do and use the anticipation to build excitement.  Don’t look at things you can’t do right now.

When you schedule an activity, make it something you enjoy doing.  It could be a picnic at the park.  It could be a walk by the lake or on the beach.  Try things that you haven’t done before.  You may be surprised to find that you really enjoy a particular activity and it will really help take your mind off what you are not doing.

This is also a great time to get together with friends and family.  Make sure that they are on board with your debt reduction program so that a planned good activity doesn’t turn into a conversation that leads to discouragement.  Just as you have to stay away from certain activities, you may also have to limit your time with certain people.

The main thing you need to be aware of is what you are focusing on.  Keep your focus positive and on your goals.  See yourself at the end of your journey, feeling happy and being free of debt.  Think about what you will do when you don’t have to make payments on things you did in the past any more.  Think about how you will use your money when you are not giving a big chunk of it to banks, finance companies and credit card providers.

This is also a great time to focus on new skills and interests.  Do your research online and at the library.  You don’t have to spend money to learn new skills.  Remember to focus on the fact that once your debt is gone, you will have a lot more options than you do right now. 

So remember that being prepared and planning ahead will keep you out of situations and thoughts that lead to discouragement.

Anything you tolerate becomes normal to you. When you stop tolerating debt, you increase your ability to function without it.  You can get yourself debt free. It will take you some time, but the end is worth it!- Dan Heiland

Scroll down to the comments and tell me if this post has helped you and how it did!

If you know someone this post will help, please share it with them!  If you aren’t already a subscriber, SIGN UP to receive notification emails and information on promotions we run periodically!  You can also learn more about personal debt reduction by taking my free online “Debt Relief Workshop” by clicking HERE.

God Bless your week!



© 2019 Dan Heiland 2019 Kat Heil, LLC

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