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31 Ways to Kick Debt in the Teeth: Don’t Quit Even When You’re Weary

Tips like these helped us pay off $127K in debt. You can read our story in Slaying the Debt Dragon: How One Family Conquered Their Money Monster and Found an Inspired Happily Ever After.

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Throughout January, sign up for daily simple tips to get your finances under control from someone who paid off $127K. Today, get rid of your big BUT to #KickDebtInTheTeeth

Here’s my little Happy New Year gift to you. Each day in January, I’ll bring you a simple, concrete and easy to put in place tip to fuel your efforts to Save Money, Pay Off Debt, and Be Awesome this year. Looking for a quick plan? Well this might not to be the right place for you. Most things down well take time. But that doesn’t mean you can’t begin to implement systems in your life that will help you achieve your goals. I’ve said it many, many times before. Paying off debt isn’t complex. It’s just not easy. You have to punch the clock daily and do the hard work. Here’s another way to make that happen.

Day 24: Don’t Quit, Even When You’re Weary

Spoiler Alert: No matter how much I paint it to be a big party, there are days when paying off debt just isn’t any fun. You will grow weary. The needle will seem slow to move. You will wonder if you’ll ever be done with this journey . . . if it really makes that big of a difference . . . if you should just quit and throw in the towel.

It’s not a question of if those days will come, but merely when. Maybe you’re there today. Maybe it was last Thursday. Maybe it will be next Thursday. I can’t count the number of times we were cruising right along and then unexpectedly BAM! I was hit with an enormous wave of discouragement. In all reality our debt slaying journey was only around 1455 days (who’s counting right?) but there were days when it seemed like it would NEVER end. Please put me out of my misery, I don’t really care anymore, why for the love of Mike are we still walking this road? days.

For me, it was wise to pause and at least acknowledge these days, to realize and rationally engage what was going on. Ignoring them would have been unhealthy. Remaining in the emotion for weeks on end, also unhealthy. When I faced my fears and discouragement head on and battled them as fiercely as the Debt Dragon himself, I was able to soldier on and keep my feet on the path. Here are a few ways we stayed on track when we were discouraged and wanted to quit.

  • Realizing that my current emotions were probably brought on by a specific set of circumstances. Discouragement came when we had a setback. A car blew up. I needed a root canal. The Princess Eldest needed braces. The temporary circumstances caused us to pause our efforts and care for an immediate need, losing what seemed like way to many seconds of precious time slipping away like sand through an hourglass. Temporary circumstances are just that, temporary. You will be back on track before you know it.
  • Distinguishing between envy and discouragement. I might have mentioned my fondness for parties of pity. I pray that your soul is nothing like mine. But there were days when I stomped my feet two year-old temper tantrum style, declaring that it wasn’t “fair” for everyone else to be living like they were Robin Leech interviewees while I ate rice for lunch, again. In these cases, the discouragement was brought on by my own greed. I had to own it. It was no one else’s fault that we had wracked up so much debt. Getting out of debt wouldn’t come from anyone else’s efforts either.
  • Relishing in my faith. Taking my eyes off of me and worshipping God typically brings me back to place of realizing that I don’t really have things that bad. I’m not saying this works all of the time. I can be a stubborn nut to crack. But in times when I am discouraged and I actively seek God, my feet are redirected and my heart refreshed.
  • Talking to a friend. I love my friends. Admitting to someone else that you are feeling low and want to quit might be a good course of action for you. Sometimes my friends would commiserate with me. Other times, they had the wisdom and brash love to call me on the carpet so I could move beyond where I was at emotionally.

If you’re feeling weary, can I encourage you for a moment? Don’t quit. Don’t give up. Don’t give in. Don’t let the fear of the present overcome the victory of your future. While it seems like your destination will never be reached and your quest pointless, it isn’t. Every time you throw in the towel, you actively choose to remain in your current situation just a little bit longer. Wouldn’t you rather have those days on the side of victory? Wouldn’t you rather be able to give more, to save more, and for heaven’s sake to actually enjoy the money you make rather than wallowing in worry and fear?

It’s worth it. Battle on, Lords & Ladies. Battle on.

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I’m so looking forward to sharing this month of challenge and inspiration with you. Together, we can show debt who’s boss and give it a swift kick in the teeth this January and throughout the year in 2014. Away we go!

Gain inspiration to pay off debt! Check out Inspiration to Pay Off Debt: 30 Days of Encouragement from the Queen of Free on Kindle.

This post contains affiliate links. That means when you get a great deal or maybe even something for free, you also help our family pay off our mortgage early. And for that, we royally thank you!

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My book is now available: Slaying the Debt Dragon: How One Family Conquered Their Money Monster and Found an Inspired Happily Ever After. You can also check out The Debt Free Devotional: 30 Days of Encouragement From the Bible For Those Paying Off Debt on Kindle.

This post contains an affiliate link. That means when you get a great deal or maybe even something for free, you also help our family pay off our mortgage early. And for that, we royally thank you!

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  • Ruth SoukupRuth SoukupLiving Well Spending Less

    "When it comes to saving money and paying off debt, Cherie not only talks the talk, but truly walks the walk! Sharing easy-to-implement ideas along with a dose of tough love, Cherie leads with the perfect combination of empathy and authority. If you are struggling to pay off debt, you won't find a better cheerleader."

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    "Cherie Lowe is a gifted writer, researcher, and thinker who lives what she teaches. Her inspirational story reminds all of us that we don’t have to fall prey the debt dragon. Living debt free is possible if you follow Lowe’s sound and practical wisdom."

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