How To Stay Motivated While Paying Down Debt?

[SaucyAussie]

Originally Posted by ncole1

It probably helps you to see that as you pay it down, less and less of your money gets "wasted" on interest, right?

Yeah, although most of my debt is on 0% cards. But that acts as a motivator itself, trying to get it paid off before interest kicks in.

[MAXIALE02]

You are in the process of learning discipline and personal responsibility in a way you haven't had to learn before. It's hard. The harder you hit it, the quicker you get the lesson (reward).

Nothing bought (financed) feels better than having the cash to buy it outright. I paid off my debt about 3 times in the last 15 years. I'm stubborn but finally realized cash is king and having and keeping cash is having options.

[KeepGoing]

You're right

[Sunflower--girl]

ynab.com completely changed my finances.