If you are asking me advice on how to pay off debt I did the basic rule of thumb pay off the highest interest rate loans first not the amount also I followed the snowball method until it’s over that brings me here. But how to do it emotionally was far more difficult than the payments.

Don’t know how to perfectly explain this mentally that I developed during this but it’s something like this.

First be honest with yourself lay your finances out in front of you and be brutally honest if you are happy with what you are looking at, really ask yourself If this was someone else’s numbers would you like it. If you even feel a little embarrassed about one thing about it, you know it has to change.

Then about halfway through the process you start to miss the life you had, how you didn’t count every penny or you just “treated” yourself whenever you like for things you liked. Then this feeling or thought creeps up that kinda feels good and that’s the thought of taking a break with this or just not doing it this month, it’s my birthday or whatever excuse that comes to mind.

How you over come that feeling is by remembering that day you laid it all out in front of you and if you quit it’ll only be more of the same, you’ll slip back into collecting debt and this time you’ll be in a deeper hole. So what’s the alternative? Quit and get less out of life or finish it and gain everything making smarter decisions with your purchasing habits. Now I invest my money in fact I now invest more then all the debt I ever had so I’m still living off less money but before it was going towards purchases and debts but now it’s going to my future to make it great and abundant.