Tuesday, February 05, 2008
Steady Plodding
| By Lynn Forgy Proverbs 21:5 — "Steady plodding brings prosperity; hasty speculation brings poverty." I am not a patient person, so this concept is hard for me - to achieve financial freedom will not be an overnight event. I must stay focused and continue plodding away on my debt. How do you stay focused and motivated? What about the times when you get so fed up with eating only "beans and rice" as Dave Ramsey says? Or when your shoes have holes in the bottom of them but a new pair is NOT in your budget? For those times, especially when I'm seriously considering taking the money I've alloted for my Debt Snowball for that month and blowing it on clothes, or excessive amounts of groceries, or new shoes, etc., etc., I will take a budget sheet from last year, or the year before if I'm really depressed, just to see how far I've come. It may not seem like I've made a lot of progress when I'm living it day by day, but when I can look back at last year's budget, and compare the size of my Debt Snowball with this year's, I can see how my steady plodding is paying off. This is one of the reasons why holding onto your past budget worksheets, and Debt Snowball tracking sheets, is so important. You can visualize what you've done, the progress you've made, and see where you are in relation to paying of your debt. Try it - you might find it gives you your motivation back when you need it most! |
posted by Krista at 9:26 AM
