No matter the financial goal you’ve chosen, there’s a good chance it’s going to take you a while to achieve it. That’s especially true when you’re paying off debt. You’re spending time thinking about interest rates, payment calendars, and everything you’re giving up in exchange for a debt-free life.
Acknowledge that you’re playing a long game by putting visible reminders around you:
It doesn’t need to be fancy; it just needs to be present in a place you’ll look on a regular basis. Those small reminders can help reset your motivation on hard days, scrimp and save a bit more when you’re feeling tempted to splurge, and light the path toward the end of those pesky debt payments.
Your accountability partner can’t be with you 24/7. In those cases, you—armed with your motivational messages in whatever form you prefer—will be prepared for those moments you need a little extra strength.