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July 22, 2006
Commit to a Spending Plan
We most likely adhere to a payment schedule that we need to maintain for at least a couple of years, and, for those of us buried in bills, for many years to come.
We view our payments as a challenge. We may feel some excitement at the thought of making progress. We see, on paper, that it's possible to emerge from the chaos.
Then, despair creeps in, overshadowing the promising thoughts. We have doubts. Obviously, adding to our debt doesn't help toward paying it off.
How do we discipline ourselves to stick to our spending plan for two, three, five, or seven years—or the rest of our life?
We take it a day at a time. Who knows what will happen tomorrow?
Instead of focusing on what we can't have, we concentrate on what we gain—lowered debt, a sense of achievement, integrity, and self-confidence.
Stay committed to a spending plan.
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