You’ve done it.  You have decided to stop living like a broke person because you have to and are instead choosing to live like a broke person to get yourself out of debt because you want to.

It’s time for game-on.  You are ready for this and have the intensity to fuel you.  

As you may be familiar with, we are all super bad at keeping resolutions.  Studies have shown, by January 15, 31.6% percent of people will have already quit their New Year’s Resolutions.  This has become so consistent, the second Friday of January is even being called Quitter’s Day.

The exact same thing can and likely will happen when you decide to become debt free.  You are going to be out of control motivated and focused when you start.  But then, you will hit roadblocks. Things will come up that completely blow your budget, add stress and expenses to your life and even set you back substantially on your debt payoff journey.

These things will make you want to give up and just continue to live with the debt.  It’s just easier that way, right?

Being someone who is looking at a 5-7 year debt payoff journey, I can tell you, you are going to need a mantra to get you through this.  

What is a mantra?

A mantra can be a word or phrase that is used to motivate and inspire you to live the life of your dreams.  It will encourage you when you need to focus on your goals.  When you are on a debt free journey, you need to have a mantra to help keep you encouraged, motivated and inspired!  The mantra I love is just one word, but for me, it is all-encompassing.  When I hear this word, it is a trigger for every action I am taking and it re-centers my focus on what season of life we are in and what we are trying to achieve.

You may decide you want to come up with your own mantra and that is awesome.  The point is, you should have a debt payoff mantra to help you along your journey.

How do you use a mantra?

You need to come up with a personal mantra that will help keep you focused and motivated along your journey to financial freedom.  It can be one word, a phrase or a whole long quote.  It doesn’t matter what it is, as long as it fires you up again and again.

You will need to post your mantra somewhere that you will see it on a daily basis.  It will become part of your “self-talk” to allow for constant encouragement.  It will help keep you moving toward the life you see for yourself.

You can spend some time thinking of your own, or you can use mine!  There are some cute printables and wallpapers to use in your own home.  You can get them below.

Are you ready for this?

An awesome mantra for your debt payoff journey is:

HUSTLE.

This is your season of hustle.  Period.

Anything that comes your way, you will hustle.  

• Don’t make enough money?  Get more work.
• Can’t find a conventional job?  Get creative and find other forms of income.
• Don’t have enough time to make more money?  Learn to live on less sleep.
• Hate meal planning?  Learn to meal plan to save money.
• Hate budgeting?  Learn to love budgeting because it will give you freedom.
• Have nothing to sell to make money?  Sell things you love anyways.
• Bored out of your mind because you have no money for entertainment?  Get creative on cheap activities.
• Can’t afford Christmas gifts?  Learn how to make something.

Whatever obstacle gets in your way, you will figure out a solution that works within your debt payoff plan.  No excuses.

Your only focus is to pay off debt.  You will hustle to make that happen.

Here is an example of hustle:

My husband:

• Works full time
• Does woodworking on the side to make extra money
• Helps meal plan and prepare meals
• Comes up with gifts we can make for birthdays and Christmas

Myself:

• Works full time
• Does freelance work on the side (aka: 4:00 am)
• Blogs in any available free time
• Meal plans and preps
• Budgets meticulously  

Oh, ya….and we have two kids under two.  Fun, right??

No way!  But this is our season of HUSTLE.

It won’t always be fun, but it is just a season.  This will not last forever and then you will be living such a sweet life with nothing but hope and an amazing future in front of you.

HUSTLE.

• Organize your finances
• Budget regularly
• Manage your expenses
• Meal plan
• Pay off debt

HUSTLE.

You are going to find solutions, get creative, stay focused and stay intense.  You will accomplish this. You can absolutely do this.

USE THIS AWESOME PRINT OUT TO REMIND YOU WHAT YOU ARE DOING RIGHT NOW.  SIGN UP BELOW TO HAVE INSTANT ACCESS.

There will be moments of weakness and times when you want to quit or take the easy way out (ie. finance something, reward yourself by spending too much, just go to the drive-thru).  Put this somewhere as a reminder to keep you motivated.

This is not forever.  This is a season. Be excited about it!  This is a life-changing season!

Warren Buffet was once asked what made successful people successful.  His response was:

“The difference between successful people and really successful people is that really successful people say no to almost everything.”

His point with this was, if you want to be really successful, you are going to have to say no to things that are not getting you closer to what you want.  If you want to be debt free, you have to say no to everything that will not get you closer to achieving that. That is going to be a lot of things. BUT, if you can do that, you are going to be really successful.

HANG THESE MOTIVATORS IN A HIGH TRAFFIC AREA OR MAKE IT YOUR PHONE WALLPAPER WHERE YOU WILL BE REMINDED OF YOUR LIFESTYLE RIGHT NOW.  DON’T LET ANY EXCUSE DERAIL YOU!

Take some time and think about what a great mantra for you would be.  Think about what will get you excited and feeling positive about the path you are on day in and day out.  There is no right or wrong, it just needs to speak to you!

Ready.  Set. Hustle!

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