35 Motivational and Inspirational Quotes For Debt Payoff

We all know getting out of debt can be a somewhat grueling process.  If you are like me and staring at a mountain of debt (six figures!), you know this is a marathon, not a sprint.  

When times get tough, you can lean on some forms of motivation like a vision board, an accountability partner, a spouse, a podcast or even other blogs.  It is so nice to not feel alone when you are in the thick of it and are wondering if the sacrifices and the effort are worth it.

When I need something more, these are the most common quotes I turn to over and over again when I am needing a little pick me up.

Debt payoff is hard.  It requires saying no to yourself a lot.  It requires saying no to others a lot. It is a tough thing to do.

If you are in the middle of your journey right now and feeling like you just want to be done and not deal with this anymore, I am here to tell you to just keep moving forward.

Keep your head down, take another step forward.  Keep making those small steps over and over again.  If you can keep moving forward, you are going to be successful.  You are going to overcome obstacles in your way and you are going to destroy your debt.

If you are finding it hard to get motivated to keep making forward progress, turn to these quotes and think about the people who had to overcome obstacles just like you.  They went through a trial. They faced adversity. They didn’t have things handed to them. They worked hard. They overcame. The kept pushing forward until they accomplished their goals.

You are not alone in this.  You can do this. You are going to do this, one day and one small decision at a time.

34 Motivational and Inspirational Quotes for Debt Payoff.

1. You can only become truly accomplished at something you love. Don’t make money your goal. Instead, pursue the things you love doing, and then do them so well that people can’t take their eyes off you.  ~ Maya Angelou

2.      
   

   Too many people spend money they haven’t earned, to buy things they don’t want, to impress people they don’t like.  ~ Will Smith

3.      
   

   Don’t tell me where your priorities are. Show me where you spend your money and I’ll tell you what they are.  ~ James W. Frick

4.      “Beware of little expenses; a small leak will sink a great ship.”  ~Benjamin Franklin

5.      
   

   “I make myself rich by making my wants few.”  ~Henry David Thoreau

6.      “Pretending to be rich can make you poor. Learn to live within your means.”  ~Unknown

7.      “The quickest way to double your money is to fold it over and put it back in your pocket.”  ~Will Rogers

8.      “It’s not your salary that makes you rich, it’s your spending habits.”  ~Charles A. Jaffe

9.      “Just because you can buy it doesn’t mean you can afford it.”  ~Suze Orman

10.   “If you wouldn’t buy it at full price, don’t buy it just because it’s on sale.”  ~Tory Johnson

11.   “Never spend your money before you have it.”  ~ Thomas Jefferson

12.   “Saving money isn’t about being able to buy bigger and better things.  It’s about being prepared to take care of your family.”  ~Dave Ramsey

13.   “Before borrowing money from a friend, decide which one you need most.”  ~American Proverb

14.   “Your children are watching you, and they’ll learn how to handle money like you do it.  More is caught than taught.”  ~Dave Ramsey

15.   “Live below your means and within your needs.”  ~Suze Orman

16.   “Comparison is the thief of joy.”  ~Theodore Roosevelt

17.   “Stop trying to keep up with the Joneses.  They’re broke.”  ~Unknown

18.   
    

    “When God blesses you financially, don’t raise your standard of living, raise your standard of giving.”  ~Mark Batterson

19.   “Do not save what is left after spending, but spend what is left after saving.”  ~Warren Buffett

20.   “The rich rule over the poor, and the borrower is servant to the lender.”  ~Proverbs 22:7

21.   “So often people are working hard at the wrong thing.  Working on the right thing is probably more important than working hard.”  ~Caterina Fake

22.   “Money is only a tool.  It will take you wherever you wish, but it will not replace you as the driver.”  ~Ayn Rand

23.   “Home life ceases to be free and beautiful as soon as it is founded on borrowing and debt.”  ~Henrik Ibsen

24.   “A man in debt is so far a slave.”  ~Ralph Waldo Emerson

25.   “Everything can be taken from a man but…the last of the human freedoms – to choose one’s attitude in any given set of circumstances.”  ~Viktor Frankl

26.   “The decision to go into debt alters the course condition of your life.  You no longer own it. You are owned.”  ~Dave Ramsey

27.   “Do what you have to do until you can do what you want to do.”  ~Oprah

28.   “Someone is sitting in the shade today because someone planted a tree a long time ago.”  ~Warren Buffett

29.   “Love the life you have while you create the life of your dreams.”  ~Hal Elrod

30.   “An investment in knowledge pays the best interest.”  ~Benjamin Franklin

31.   “The journey of a thousand miles must begin with a single step.”  ~Lao Tzu

32.   “Life is 10% what happens to you and 90% how you react to it.”  ~Charles R. Swindoll

33.   “Being rich is having money; being wealthy is having time.”  ~Margaret Bonnano

34.   “If you don’t design your own life plan, chances are you’ll fall into someone else’s plan.  And guess what they have planned for you? Not much.”  ~Jim Rohn

My hope is at least one of these quotes spoke to you today and really gave you support.  Nobody ever said debt payoff would be this easy thing that was super fun to go through. It’s actually the total opposite.

But, you will accomplish it and this will all be a distant memory someday when you are looking back on your life.  When I am feeling unmotivated to keep going, there is one quote that just speaks to me over and over again. I get seriously amped when I read it and it re-energizes me.  

35.  “If you want something you’ve never had, you must be will to do something you’ve never done.”  ~Thomas Jefferson

If you want to live a life of freedom, you are going to have to pay off all of your debt.  It is that simple. You have to push the limits, test yourself and push yourself to do things you’ve never done if you want to achieve something you have never achieved.  

Nobody can do this for you.  You have to find the desire and the will to make this happen for your life.  You can absolutely do this. Decide today.

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