March 10, 2026 • 15 mins
Most people struggling to pay off debt don't fail due to poor budgeting tools but because they aren't mentally prepared for the journey.
This episode dives deep into debt reduction strategies tailored for adults with ADHD and anyone facing shame or emotional resistance around money.
You'll discover how to adopt a no shame finance approach and overcome all-or-nothing thinking, comparison traps, and emotional setbacks that keep you restarting your debt payoff plan.
Learn practical steps on how to build sustainable momentum with consistent, ADHD-friendly money management tactics, and how to plan for resistance without guilt.
Whether you're looking for debt coaching insights or ways to integrate family budgeting into your financial planning, this episode provides indispensable mindset shifts and tools for long-term success.
WHAT YOU WILL LEARN:
[00:00] Why debt payoff is a mindset endurance game — not just a math problem
[03:00] The dangers of all-or-nothing thinking and comparison traps
[08:00] Recognizing and managing emotional resistance during debt payoff
[14:00] How consistent progress compounds faster than urgent bursts
[18:00] Practical strategies: choosing a plan, setting realistic goals, and preparing for setbacks
Learn more at https://debtrebelpodcast.com/
Work with Jewlz: https://www.jewlzthebudgetnerd.com/
Full Show Notes: https://www.jewlzthebudgetnerd.com/blog/how-to-stay-motivated-during-debt-payoff
Disclaimer: This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.
This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.
Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.
By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.
Listen
Watch
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
(00:00):
Right. You want to know how to fail at
paying off your debt? Not being in the right mindset.
Even if you have the best plan, most people don't fail because
they picked the wrong spreadsheet.
They're going to fail because they weren't mentally prepared
for what debt payoff actually requires.
This isn't about math. Today we're going to talk about
the mindset endurance game of paying off all of your debt.
(00:23):
And if you don't prepare for this mentally, you're going to
restart over and over again. And we know restarting things
can be exhausting, right? Hey there, I'm Jules the budget
nerd, and welcome to the Debt Rebel show.
This is the place where working families like yours learn how to
stop living paycheck to paycheck, crush debt for good,
(00:43):
and build a life where money actually works for your family.
In about 15 minutes, I'll share practical family budgeting tips,
tough love strategies, and actionable steps to move toward
debt free living without the fluff, the shame, or the
confusion. And I know a thing or two about
this. My family and I have eliminated
over $107,000 in consumer debt, and that was after I got my
(01:07):
degree in economics. So stay tuned.
This is going to be a great episode.
So grab that coffee, your planner, whatever you need to
make this a great experience, maybe a snack if you're like me
and let's make your money work for your family, right?
So today we are talking about getting mentally prepared for
debt payoff because it's a, it'sa marathon, right?
(01:31):
Depending on if we have maybe wehave $10,000 in debt or maybe we
have over $100,000 in debt. The number for this doesn't
matter because it is about a mindset shift.
And today we're going to talk about some of the blocks that
are quietly sabotaging your progress and what to do about
them. So first one is the all or
(01:53):
nothing thinking. So if we can't, you know, pay,
pay the full $2000 that's owed on this card, then what is the
point, right? Or maybe we overspend one time
and then we blew it. And so we just, you know, can't
want to cancel the whole thing or maybe a holiday expense comes
up and we're like, you know what, we'll, we'll get started
(02:16):
again in January, right? So The thing is intensity can
feel productive, but consistencyis what's going to win in this
circumstance when it comes to paying off your debt.
How about the whole comparison thing?
Now, this is one that I find happens a lot.
And even for myself, the whole thought of we should be further
(02:37):
along than we are by now, right?So maybe you have friends that
are buying their first home, or maybe you see people online,
they're like, hey, I paid off $40,000 in six months.
Or maybe we just have our own unrealistic expectations about
how long it's going to take. Now the reality is every single
one of us have a different starting spot in this journey.
(02:59):
We have different income and we have different expenses.
So don't let the timeline kill your momentum because that time
is the time that it takes, right?
We'll talk a little bit more about that in a second on how to
speed that up. But the other thing is the shame
spirals. So when the month doesn't go as
planned, so maybe you had planned on, you know what, I'm
(03:20):
going to be able to put an extra$100 towards a specific debt
this month. And so we, you know, we start
feel like things aren't going asplanned, then we stop, then we
avoid. So when things don't go as
planned, we avoid checking our bank balances or we stop
tracking or we mentally just quit because we feel like we're
(03:41):
financially not in it. And this is where debt payoff
become, this is where debt payoff becomes like a
personality test instead of a process that we're following.
So all of these things I feel like for myself and my husband
and I are things that we we fellinto.
So if you're new to the show or haven't had a chance to listen
(04:02):
to that, the first episode, our story starts.
I have a degree in economics andwe got into $107,000 in consumer
debt. And then Fast forward to this
last year and I was diagnosed with ADHD and understand now a
lot of the struggles that I had were because of that.
But just because we know things doesn't necessarily mean that
(04:24):
they're going to be as easy to apply.
And so and our timelines are going to be different because it
took us six years to pay off $107,000.
Now I've seen stories online where people are paying that off
in 10 months or maybe they're going to be paying it off in a
couple of years. But it took us, it took us six
(04:45):
years to pay that off because westarted and stopped a lot.
We didn't have help. We would have things that came
up. We had to deal with
unemployment. So there was all kinds of
things. Some things were in our control
and some things were out of our control.
But what I want you to hear me say is knowing the plan and
sticking with it is so importantbecause there are going to be
(05:06):
times where you're afraid that the money that you have planned
for, you know, putting towards adebt, you're going to have to
scale that back because you knowwhat, you got your maybe your
hours were reduced or you got laid off from your job or you
were furloughed and you need to use that money to pay for food
for your family or to pay your mortgage.
So there are things like that that will come up and that's
(05:29):
natural when you know the plan and you're and you follow
through with it. And when you have to adapt and
adjust, then it's going to feel a lot more, you're going to be a
lot more empowered in that process when you know, versus
the not getting started or and not being prepared for what
things could come ahead. And I will say for us, some of
(05:51):
the biggest leaps of faith and some of the scariest moments in
our process where when we would have to, you know, we would put
those bigger payments on things and go, OK, that once this money
is spent, it's not it's not available to us anymore.
But those were the the moments where things change the most for
us because it was like 11 success became another success.
(06:12):
And then we would find, you know, we would say, hey, OK,
let's reduce, let's reduce our spending in this area so that we
can have a little bit more. You start to get very, very
excited about the possibilities when you see when you start to
see that number decrease. So the one thing that I want you
to hear me say is if you are feeling, especially when you get
(06:35):
started in this process, if you haven't already, that emotional
resistance that you feel is normal.
So sometimes our motivation willdip one month or maybe you know,
something comes up. I know for us, we decided in our
in in our journey that we weren't going to buy gifts for
each other. And so that was one way we were
(06:56):
going to be able to save money and focus on our common goal of
becoming debt free. I remember right coming up, I
think it was Valentine's Day or my birthday.
Either way, it was a gift givingholiday and we decided not to
get each other gifts. And I really, I really wanted
something and it wasn't, it wasn't something big.
I just really wanted something small for my husband.
We had a conversation about it and how that would honor our
(07:18):
goals and what was important to us.
I had to and wasn't my birthday.What was it?
All right, so I want to talk about the emotional resistance
that we can come up against whenit comes to our debt elimination
journey. And there are going to be times
where you know what, you might not necessarily feel like
continuing on or you're going tofeel like you want to quit, but
(07:40):
you're like, I need to stick with this.
So there's going to be some internal debate.
And if you're doing this with with someone else, there's also
could be a conversation that youboth have together.
I know one year we had to excited that we weren't going to
be getting gifts for each other.And I think it was Valentine's
Day. I can't remember what holiday it
was, but we were going to be exchanging gifts, my husband and
(08:01):
I, and we've gone several monthswithout getting each other
anything. And it came up and I was like, I
really want, I want to get him something and I would really
love it if he got me a gift too.And so we talked about it and we
decided that this, this small adjustment would happen for this
holiday only so that we could, it was going to help us not, not
(08:23):
help us indulge just this just atiny bit, but also keep the
momentum going that we had. And so I want you to hear me say
that sometimes those things are going to happen like that.
And, and it's OK because there are going to be times where you
know what you, you don't, you'renot necessarily going to feel
like following through with it, but keeping focused on why you
(08:43):
got started in the 1st place is going to help when those moments
strike. So, so make sure that you hear
me. So remember, resistance does not
mean that you're on the wrong path.
It just means just like when we're in the gym and we're
stretching, we're making it, we're making that muscle
stronger. And so this, this is part of the
journey that happens. But I want to encourage you to
(09:06):
continue to move through that asyou work to eliminate your debt.
And I want to share a story of one of my clients because this
is a perfect example of how how she moved through something that
could have been very challenging, especially with a
large outgo of money, because she was working really hard
(09:27):
through her her debt snowball. The her and her husband were the
next one. They were working off, was
paying off their car and in the process of eliminating that day,
they were affected by the recentgovernment shutdown here in the
US. And that is very challenging
when you start to think, OK, I'mnot sure when my next paycheck
is coming in and you have this money set aside to pay off her
(09:51):
car. What, what should you do?
And so in, you know, in her scenario, she held onto it until
that was over and then and then paid it off.
And just recently sent me a message and said it's done.
She has the title to her car. And it was an amazing, amazing
celebration for her and her family.
(10:12):
But sometimes those things are going to happen.
So keeping focused on what the priority is.
And sometimes we have to pause those things and take a step
back and go, OK, the priority ismaking sure that your family is
fed and that they have a roof over their head because that the
momentum is going to come from your focus and not from the
intensity. So for her and her family, that
(10:34):
was keeping the keeping the priorities of their basic needs
and then their debt elimination after that.
So that's where they're momentumcame from.
It is coming from having a focused plan and not being super
intense about it. So how are some ways that you
can keep that momentum going? Like I said, having one goal at
a time. So this is really helpful
(10:55):
because you not have to having one goal at a time is going to
help you from trying to basically when it comes to a
setting your goals, it's not like it's not going to be like
herding cats, right? So we're going to be focused on
one thing. When that goal is done, then you
can move on to the next thing. The other part is celebrating
the small wins. Those tiny payments that you
make on your debts are going to count just as big as the big
(11:18):
just as much as the big ones do.So tracking that progress will
help you build that confidence and then giving yourself a
realistic timeline. So each person then each couple
is going to have a different timeline for what it looks like
for them to eliminate their debt.
Like I said, our incomes are going to be different, our debt
payments are going to be different, and then our our
(11:39):
timelines are going to be different based on our lives,
right? So there's so many factors that
play if you knowing that puttinga realistic timeline in place is
going to help you keep that momentum going.
And then like I said, just celebrating those milestones.
That's why tracking it is important.
So you know when those celebrations are going to come,
when you've paid off that first debt and then you can move into
(12:01):
that second one and rewarding yourself for that progress and
creating that rhythm and acknowledging the growth that
comes from from this process. So we're going to shift from
that urgency to consistency because urgency is what burns us
out, but consistency is the thing that compounds and keeps
this process going at a more manageable rate.
(12:21):
All right, So what are the practical steps for preparing
for debt elimination? 1 is knowing your total debt, 2
is picking that strategy and whether it's the debt snowball
or the debt avalanche. So and picking a strategy that's
going to work for you. I love the debt snowball.
That's what our family is putting your smallest debts,
(12:45):
you're going to list them in order from smallest to largest.
This is going to give you the big psychological wins that are
going to be helpful. Pick one and stick with it.
If you need help deciding that, check out episode 96 of the show
where I break those different strategies down and help you
decide which one works best for you and your family.
And then a set a realistic monthly target.
(13:08):
So this isn't the best case scenario number.
This is a sustainable number that's going to help you so that
your debt pay off. This is going to be that
sustainable number. Your debt payoff fails when the
payment plan that only works on perfect months.
Because if your family or if your your finances or anything
(13:30):
like mine, there's no such thingas a perfect month.
And then let's set up some X. And then The thing is to expect
that emotional resistance. So there's going to be months
where it's going to be boring. There's going to be months that
are load motivation for you. There's going to be months where
unexpected expenses pop up. And then there's going to be
(13:51):
times where we're going to fall into those comparison traps.
And so recognizing those triggers and planning for that
resistance ahead of time so thatwhen it comes up, you can just
respond to it instead of react to it.
So you don't need perfect motivation.
You need a plan. And that debt payoff is not a
personality test. This whole thing is a process.
(14:13):
It's a journey, and it's a process that works better when
you have support. So if you are serious about
paying off your debt this year, I don't want you to do it alone.
That's something that my husbandand I did, and that's one of our
biggest regrets is that we didn't have the support because
support is going to change the speed at which you make
progress. That's exactly why I created the
(14:33):
Alliance Coaching membership. So we get to build your plan
step by step, help you adjust when life happens, and keep you
from restarting over and over again.
And the best part, we get to celebrate the milestones
together because momentum isn't built in isolation, it's built
in accountability. So if you want to stop
restarting and start addressing in your debt elimination
(14:55):
journey, I linked the info in the show notes for you.
You can also find it at debtrebelpodcast.com and join us
inside the Alliance coaching membership.
All right, we'll see you in the next episode.
Thank you for tuning into the Debt Rebel show today.
Ready to take your family budgeting to the next level?
Stop that paycheck to paycheck grind and start living debt
(15:17):
free. Head over to my website,
debtrebelpodcast.com. That's DEBTR edelpodcast.com to
grab resources, tools and tips to make it happen.
And don't forget, subscribe, leave a review.
And if you know another family that will love hearing today's
(15:37):
episode, it would be such a giftfor both of us, your friend and
me. If you share this episode and
remember your debt free life starts with one brave step and
I'm cheering you on every step of the way.
We'll talk soon. Debt Rebel.
Right. You want to know how to fail at
paying off your debt? Not being in the right mindset.
Even if you have the best plan, most people don't fail because
they picked the wrong spreadsheet.
They're going to fail because they weren't mentally prepared
for what debt payoff actually requires.
This isn't about math. Today we're going to talk about
the mindset endurance game of paying off all of your debt.
(00:23):
And if you don't prepare for this mentally, you're going to
restart over and over again. And we know restarting things
can be exhausting, right? Hey there, I'm Jules the budget
nerd, and welcome to the Debt Rebel show.
This is the place where working families like yours learn how to
stop living paycheck to paycheck, crush debt for good,
(00:43):
and build a life where money actually works for your family.
In about 15 minutes, I'll share practical family budgeting tips,
tough love strategies, and actionable steps to move toward
debt free living without the fluff, the shame, or the
confusion. And I know a thing or two about
this. My family and I have eliminated
over $107,000 in consumer debt, and that was after I got my
(01:07):
degree in economics. So stay tuned.
This is going to be a great episode.
So grab that coffee, your planner, whatever you need to
make this a great experience, maybe a snack if you're like me
and let's make your money work for your family, right?
So today we are talking about getting mentally prepared for
debt payoff because it's a, it'sa marathon, right?
(01:31):
Depending on if we have maybe wehave $10,000 in debt or maybe we
have over $100,000 in debt. The number for this doesn't
matter because it is about a mindset shift.
And today we're going to talk about some of the blocks that
are quietly sabotaging your progress and what to do about
them. So first one is the all or
(01:53):
nothing thinking. So if we can't, you know, pay,
pay the full $2000 that's owed on this card, then what is the
point, right? Or maybe we overspend one time
and then we blew it. And so we just, you know, can't
want to cancel the whole thing or maybe a holiday expense comes
up and we're like, you know what, we'll, we'll get started
(02:16):
again in January, right? So The thing is intensity can
feel productive, but consistencyis what's going to win in this
circumstance when it comes to paying off your debt.
How about the whole comparison thing?
Now, this is one that I find happens a lot.
And even for myself, the whole thought of we should be further
(02:37):
along than we are by now, right?So maybe you have friends that
are buying their first home, or maybe you see people online,
they're like, hey, I paid off $40,000 in six months.
Or maybe we just have our own unrealistic expectations about
how long it's going to take. Now the reality is every single
one of us have a different starting spot in this journey.
(02:59):
We have different income and we have different expenses.
So don't let the timeline kill your momentum because that time
is the time that it takes, right?
We'll talk a little bit more about that in a second on how to
speed that up. But the other thing is the shame
spirals. So when the month doesn't go as
planned, so maybe you had planned on, you know what, I'm
(03:20):
going to be able to put an extra$100 towards a specific debt
this month. And so we, you know, we start
feel like things aren't going asplanned, then we stop, then we
avoid. So when things don't go as
planned, we avoid checking our bank balances or we stop
tracking or we mentally just quit because we feel like we're
(03:41):
financially not in it. And this is where debt payoff
become, this is where debt payoff becomes like a
personality test instead of a process that we're following.
So all of these things I feel like for myself and my husband
and I are things that we we fellinto.
So if you're new to the show or haven't had a chance to listen
(04:02):
to that, the first episode, our story starts.
I have a degree in economics andwe got into $107,000 in consumer
debt. And then Fast forward to this
last year and I was diagnosed with ADHD and understand now a
lot of the struggles that I had were because of that.
But just because we know things doesn't necessarily mean that
(04:24):
they're going to be as easy to apply.
And so and our timelines are going to be different because it
took us six years to pay off $107,000.
Now I've seen stories online where people are paying that off
in 10 months or maybe they're going to be paying it off in a
couple of years. But it took us, it took us six
(04:45):
years to pay that off because westarted and stopped a lot.
We didn't have help. We would have things that came
up. We had to deal with
unemployment. So there was all kinds of
things. Some things were in our control
and some things were out of our control.
But what I want you to hear me say is knowing the plan and
sticking with it is so importantbecause there are going to be
(05:06):
times where you're afraid that the money that you have planned
for, you know, putting towards adebt, you're going to have to
scale that back because you knowwhat, you got your maybe your
hours were reduced or you got laid off from your job or you
were furloughed and you need to use that money to pay for food
for your family or to pay your mortgage.
So there are things like that that will come up and that's
(05:29):
natural when you know the plan and you're and you follow
through with it. And when you have to adapt and
adjust, then it's going to feel a lot more, you're going to be a
lot more empowered in that process when you know, versus
the not getting started or and not being prepared for what
things could come ahead. And I will say for us, some of
(05:51):
the biggest leaps of faith and some of the scariest moments in
our process where when we would have to, you know, we would put
those bigger payments on things and go, OK, that once this money
is spent, it's not it's not available to us anymore.
But those were the the moments where things change the most for
us because it was like 11 success became another success.
(06:12):
And then we would find, you know, we would say, hey, OK,
let's reduce, let's reduce our spending in this area so that we
can have a little bit more. You start to get very, very
excited about the possibilities when you see when you start to
see that number decrease. So the one thing that I want you
to hear me say is if you are feeling, especially when you get
(06:35):
started in this process, if you haven't already, that emotional
resistance that you feel is normal.
So sometimes our motivation willdip one month or maybe you know,
something comes up. I know for us, we decided in our
in in our journey that we weren't going to buy gifts for
each other. And so that was one way we were
(06:56):
going to be able to save money and focus on our common goal of
becoming debt free. I remember right coming up, I
think it was Valentine's Day or my birthday.
Either way, it was a gift givingholiday and we decided not to
get each other gifts. And I really, I really wanted
something and it wasn't, it wasn't something big.
I just really wanted something small for my husband.
We had a conversation about it and how that would honor our
(07:18):
goals and what was important to us.
I had to and wasn't my birthday.What was it?
All right, so I want to talk about the emotional resistance
that we can come up against whenit comes to our debt elimination
journey. And there are going to be times
where you know what, you might not necessarily feel like
continuing on or you're going tofeel like you want to quit, but
(07:40):
you're like, I need to stick with this.
So there's going to be some internal debate.
And if you're doing this with with someone else, there's also
could be a conversation that youboth have together.
I know one year we had to excited that we weren't going to
be getting gifts for each other.And I think it was Valentine's
Day. I can't remember what holiday it
was, but we were going to be exchanging gifts, my husband and
(08:01):
I, and we've gone several monthswithout getting each other
anything. And it came up and I was like, I
really want, I want to get him something and I would really
love it if he got me a gift too.And so we talked about it and we
decided that this, this small adjustment would happen for this
holiday only so that we could, it was going to help us not, not
(08:23):
help us indulge just this just atiny bit, but also keep the
momentum going that we had. And so I want you to hear me say
that sometimes those things are going to happen like that.
And, and it's OK because there are going to be times where you
know what you, you don't, you'renot necessarily going to feel
like following through with it, but keeping focused on why you
(08:43):
got started in the 1st place is going to help when those moments
strike. So, so make sure that you hear
me. So remember, resistance does not
mean that you're on the wrong path.
It just means just like when we're in the gym and we're
stretching, we're making it, we're making that muscle
stronger. And so this, this is part of the
journey that happens. But I want to encourage you to
(09:06):
continue to move through that asyou work to eliminate your debt.
And I want to share a story of one of my clients because this
is a perfect example of how how she moved through something that
could have been very challenging, especially with a
large outgo of money, because she was working really hard
(09:27):
through her her debt snowball. The her and her husband were the
next one. They were working off, was
paying off their car and in the process of eliminating that day,
they were affected by the recentgovernment shutdown here in the
US. And that is very challenging
when you start to think, OK, I'mnot sure when my next paycheck
is coming in and you have this money set aside to pay off her
(09:51):
car. What, what should you do?
And so in, you know, in her scenario, she held onto it until
that was over and then and then paid it off.
And just recently sent me a message and said it's done.
She has the title to her car. And it was an amazing, amazing
celebration for her and her family.
(10:12):
But sometimes those things are going to happen.
So keeping focused on what the priority is.
And sometimes we have to pause those things and take a step
back and go, OK, the priority ismaking sure that your family is
fed and that they have a roof over their head because that the
momentum is going to come from your focus and not from the
intensity. So for her and her family, that
(10:34):
was keeping the keeping the priorities of their basic needs
and then their debt elimination after that.
So that's where they're momentumcame from.
It is coming from having a focused plan and not being super
intense about it. So how are some ways that you
can keep that momentum going? Like I said, having one goal at
a time. So this is really helpful
(10:55):
because you not have to having one goal at a time is going to
help you from trying to basically when it comes to a
setting your goals, it's not like it's not going to be like
herding cats, right? So we're going to be focused on
one thing. When that goal is done, then you
can move on to the next thing. The other part is celebrating
the small wins. Those tiny payments that you
make on your debts are going to count just as big as the big
(11:18):
just as much as the big ones do.So tracking that progress will
help you build that confidence and then giving yourself a
realistic timeline. So each person then each couple
is going to have a different timeline for what it looks like
for them to eliminate their debt.
Like I said, our incomes are going to be different, our debt
payments are going to be different, and then our our
(11:39):
timelines are going to be different based on our lives,
right? So there's so many factors that
play if you knowing that puttinga realistic timeline in place is
going to help you keep that momentum going.
And then like I said, just celebrating those milestones.
That's why tracking it is important.
So you know when those celebrations are going to come,
when you've paid off that first debt and then you can move into
(12:01):
that second one and rewarding yourself for that progress and
creating that rhythm and acknowledging the growth that
comes from from this process. So we're going to shift from
that urgency to consistency because urgency is what burns us
out, but consistency is the thing that compounds and keeps
this process going at a more manageable rate.
(12:21):
All right, So what are the practical steps for preparing
for debt elimination? 1 is knowing your total debt, 2
is picking that strategy and whether it's the debt snowball
or the debt avalanche. So and picking a strategy that's
going to work for you. I love the debt snowball.
That's what our family is putting your smallest debts,
(12:45):
you're going to list them in order from smallest to largest.
This is going to give you the big psychological wins that are
going to be helpful. Pick one and stick with it.
If you need help deciding that, check out episode 96 of the show
where I break those different strategies down and help you
decide which one works best for you and your family.
And then a set a realistic monthly target.
(13:08):
So this isn't the best case scenario number.
This is a sustainable number that's going to help you so that
your debt pay off. This is going to be that
sustainable number. Your debt payoff fails when the
payment plan that only works on perfect months.
Because if your family or if your your finances or anything
(13:30):
like mine, there's no such thingas a perfect month.
And then let's set up some X. And then The thing is to expect
that emotional resistance. So there's going to be months
where it's going to be boring. There's going to be months that
are load motivation for you. There's going to be months where
unexpected expenses pop up. And then there's going to be
(13:51):
times where we're going to fall into those comparison traps.
And so recognizing those triggers and planning for that
resistance ahead of time so thatwhen it comes up, you can just
respond to it instead of react to it.
So you don't need perfect motivation.
You need a plan. And that debt payoff is not a
personality test. This whole thing is a process.
(14:13):
It's a journey, and it's a process that works better when
you have support. So if you are serious about
paying off your debt this year, I don't want you to do it alone.
That's something that my husbandand I did, and that's one of our
biggest regrets is that we didn't have the support because
support is going to change the speed at which you make
progress. That's exactly why I created the
(14:33):
Alliance Coaching membership. So we get to build your plan
step by step, help you adjust when life happens, and keep you
from restarting over and over again.
And the best part, we get to celebrate the milestones
together because momentum isn't built in isolation, it's built
in accountability. So if you want to stop
restarting and start addressing in your debt elimination
(14:55):
journey, I linked the info in the show notes for you.
You can also find it at debtrebelpodcast.com and join us
inside the Alliance coaching membership.
All right, we'll see you in the next episode.
Thank you for tuning into the Debt Rebel show today.
Ready to take your family budgeting to the next level?
Stop that paycheck to paycheck grind and start living debt
(15:17):
free. Head over to my website,
debtrebelpodcast.com. That's DEBTR edelpodcast.com to
grab resources, tools and tips to make it happen.
And don't forget, subscribe, leave a review.
And if you know another family that will love hearing today's
(15:37):
episode, it would be such a giftfor both of us, your friend and
me. If you share this episode and
remember your debt free life starts with one brave step and
I'm cheering you on every step of the way.
We'll talk soon. Debt Rebel.
Popular Podcasts
Hey Jonas!
Hey Jonas! The official Jonas Brothers podcast. Hosted by Kevin, Joe, and Nick Jonas. It’s the Jonas Brothers you know... musicians, actors, and well, yes, brothers. Now, they’re sharing another side of themselves in the playful, intimate, and irreverent way only they can. Spend time with the Jonas Brothers here and stay a little bit longer for deep conversations like never before.
Stuff You Should Know
If you've ever wanted to know about champagne, satanism, the Stonewall Uprising, chaos theory, LSD, El Nino, true crime and Rosa Parks, then look no further. Josh and Chuck have you covered.
Dateline NBC
Current and classic episodes, featuring compelling true-crime mysteries, powerful documentaries and in-depth investigations. Follow now to get the latest episodes of Dateline NBC completely free, or subscribe to Dateline Premium for ad-free listening and exclusive bonus content: DatelinePremium.com