It's very common for the average American to carry large loads of debt. Take a look at the Millenial age group. Many Millennials are saddled with so much debt that they aren't even considering purchasing homes. While debt may feel like a life-long sentence, there are still so many things a person can do to climb out of debt steadily and within a few short years.
1. Create a vision board.
With the major goals you have in life, it's really important to make sure you're intentional about creating a vision. When you visualize something on a regular basis, you're more likely to see it come to fruition. On your vision board, consider adding pictures that represent wealth and abundance. Add pictures of the car, home and vacation you'd like to purchase when you're debt-free.
2. Recite positive affirmations.
So much power lies in the words a person speaks on a regular basis. Get into the habit of reciting positive affirmations on a daily basis. Say affirmations like "I am wealthy, prosperous and happy" and "my debt is paid in full". Until certain affirmations get committed to memory, just read them and recite them out loud. The more you repeat these words, the more you'll believe them.
3. Listen to motivational messages.
There's a reason why so many people love Tony Robbins, Les Brown and Eric Thomas. They've all been extremely relentless in their goal to motivate the masses. Their powerful messages are encouraging, inspiring and uplifting. Just like a cold shower wakes a person up in the morning, motivational messages have the power to shake up the mind and get it into the right gear to push through any situation.
4. Celebrate your successes.
If you look at the debt as a whole, it's easy to get discouraged and decide not to try. Instead, make small goals and celebrate the successes along the way. For example, if you have a hospital debt of $80 and you diligently pay it off, celebrate with a manicure or a new book. As you incentive each victory with a small token, you're more likely to feel positive feelings toward paying off debt.
5. Look at your current debt.
Don't hide from it. That's the worst thing anyone can do. Sit down, take a look and be honest about what your financial situation looks like. If you were in a bind a needed money before your payday, don't become frustrated that you needed a payday loan at one time. Just make sure to pay it off and it will all be okay.
6. Get around financially savvy people.
Most people are the sum total of their closest friends. Are your friends encouraging and motivating you to lead a smarter financial life? If they're always encouraging you to go out every weekend and pop lots of bottles, it's time to get some new friends. The right friends will encourage and join you on the journey.
7. Take a financial course.
Between churches, community centers, banks and online portals, there's really no reason why anyone should be financially illiterate. There are so many ways to learn. Consider taking a course that fits your learning style well and shows you how to get out of debt and build wealth.
Take advantage of these tactics and become intentional about getting rid of debt. The time will pass anyway. You might as well work hard now so you can enjoy the beauty of debt-free living in the future.