You have determined your goals.
You have Tracked your Spending.
Determined how to actually make payments on your debt and pay it off.
This part sucks. While it is definitely not a set it and forget it situation there may not be any big moves for a while. Now you are in the phase where you simply do what you know you need to do. That is not very exciting until you hit a milestone like paying something off. It is OK to set little rewards for your self when you pay off your first debt or give that extra charitable gift. These are awesome things and you should celebrate. If you are good with excel you can plot out what you will be doing a year or five years from now and that can give you something to look forward to in a big way.
Look back to the goals you set out in the beginning of this course. They will encourage you to push on when you don’t feel like you can go on any further. Find folks that can encourage you to keep pushing on in the right direction.
Keep a close watch on your budget and your plan early on and make sure you are going in the right direction. Find extra ways to make money, I will be talking about those shortly.
Send me any questions if you need help @thinksteward. #newyearbudget
image by TheBo
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