Ways_to_Keep_Motivated_During_Debt_Payoff
Student Loans

Ways to Keep Motivated during Debt Payoff

Recently I have had some serious low blows in terms of keeping motivated during debt payoff. Things just don’t seem to be going my way and it’s making it hard to stay motivated. I’m extremely stressed at work this year, which is making me extremely tired. This then makes it hard to get myself to all of my side jobs in the evenings. I recently tried refinancing my student loans only to be told I have too much debt. Why thank you sir, I’m aware I’m drowning in $156,000 in student loan debt, but do you see that I’ve paid off $44,000 in 14 months?! I feel like my life revolves around my student loans and it’s been incredibly hard for me to keep pushing myself recently, especially after being told I can’t refinance because I have too much debt. However, there are some ways I do motivate myself when I feel like giving up.

 

Ways_to_Keep_Motivated_During_Debt_Payoff

Focus on your accomplishments.

The first thing I always do when I feel unmotivated is look at how far I’ve come in my debt payoff and remind myself I’m doing everything I can. I look at my monthly payments that I’ve made and see how much they have increased over the last 14 months. It’s important to acknowledge and celebrate the big and little victories in this long journey. I celebrated paying off my first loan this past year and celebrated breaking into 5 figures for my private loans. It’s important to do that to make this journey a little less overwhelming.

Recognize the sacrifices you’re making.

When I’m feeling unmotivated I remind myself about all the sacrifices I’m already making for my debt payoff. I remind myself that I’m already doing so much, I don’t need to do more than I’m doing right now. I work 4 jobs currently, live with my parents, and budget my spending each month. For my sanity, I need to remind myself that it’s enough, I can’t do more than that.

Find others who are going through debt payoff.

By far the most motivating thing for me to do is to head over to Instagram and Pinterest and find others who are working on their debt free journey. I find it so motivating to hear other people’s debt free stories and how they got to debt freedom. It can be hard to find people around me that can relate to my situation and want to pay off their debt, which is why the Internet can be a wonderful thing.

I hope these few things can help you when you’re feeling down on yourself about your debt payoff. I know it has helped me when I feel like I’m never going to finish paying this debt off. What are some ways you keep motivated when you feel like giving up?

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  • Alli Rosenblum

    Hi Diana!

    I think it is so important to find others who are focused on paying off debt or saving to keep you accountable and motivated. Great post!

    • http://dianaonadime.com Diana

      Hi Alli!
      I couldn’t agree more, this community has helped me so much to keep motivated. Thanks for stopping by 🙂

    • http://dianaonadime.com Diana

      I definitely agree! Thanks for stopping by!

    • Diana

      Thank you so much!! I totally agree with you, and it can definitely be hard to find others who are on this journey. Thanks for stopping by 🙂

  • Kennedy Wells

    I was a gambling addict and once was burried in alot of debt. It only took me 2 years to even start to think i needed to stop. Sold off old stuff for extra cash and use it to do more gambling.
    I started research on how to clear my debts on the internet, then i found out about a particular man (BIRDEYE.HACK at GMAIL.COM) who helps people in my situation. I also read about different people he has helped. Man i didnt belive it at first but right now i’m credit card debt free and no debts in my name anymore.
    No debt is unpayable. You just need to be smart. Money is just paper man created to get rich. Dont waste your life behind it. Debt is something everyone will have in their lifetime. I’m glad i’m free of mine with the help of Birdeye!
    https://uploads.disquscdn.com/images/50d7a2deb1e2c0dd22f77333dc990067af63c7f710a524e499c1a8f65ed497cb.jpg

  • Kennedy Wells

    I was a gambling addict and once was burried in alot of debt. It only took me 2 years to even start to think i needed to stop. Sold off old stuff for extra cash and use it to do more gambling.
    I started research on how to clear my debts on the internet, then i found out about a particular man (EAGLESEYE.HACK at GMAIL.COM) who helps people in my situation. I also read about different people he has helped. Man i didnt belive it at first but right now i’m credit card debt free and no debts in my name anymore.
    No debt is unpayable. You just need to be smart. Money is just paper man created to get rich. Dont waste your life behind it. Debt is something everyone will have in their lifetime. I’m glad i’m free of mine with the help of THE EAGLE!