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How Do You Stay Motivated When Getting Out of Debt Feels So Slow? · Becoming Financially Confident

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  Have
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  you
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  ever
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  noticed
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  how
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  getting
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  out
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  of
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  debt
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  feels
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  exciting
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  at
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  first,
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  but
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  then
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  one
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  day,
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  it
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  just
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  feels
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  slow.
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  You
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  make
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  that
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  payment,
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  you
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  do
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  the
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  right
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  thing,
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  you
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  skip
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  the
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  extra
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  spending,
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  and
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  you
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  look
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  at
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  that
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  balance,
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  you're
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  like,
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  that's
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  it.
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  That's
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  all
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  it
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  moved.
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  And
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  you
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  start
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  wondering,
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  am
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  I
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  even
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  making
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  progress?
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  Is
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  it
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  even
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  worth
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  it?
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  Am
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  I
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  going
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  to
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  be
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  doing
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  this
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  forever?
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  Well,
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  friend,
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  you're
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  in
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  the
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  right
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  place
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  today.
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  You're
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  not
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  doing
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  it
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  wrong.
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  You're
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  not
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  failing.
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  You're
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  just
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  in
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  the
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  middle.
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  And
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  middle
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  is
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  where
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  most
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  people
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  quit.
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  Not
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  because
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  they're
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  weak,
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  but.
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  But
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  because
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  they're
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  tired.
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  So
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  today,
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  I'm
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  going
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  to
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  help
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  you
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  keep
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  going
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  without
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  burning
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  out.
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  Hey,
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  friend.
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  Ralph
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  Estep
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  Jr.
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  Here.
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  Welcome
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  to
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  Financially
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  Confident
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  Christian,
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  where
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  to
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  walkthroughlifeandmoneywithwisdom,
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  withpeace,
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  andwith
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  heart,anchoredinGod'struth,
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  andwithoutburning
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  out.Missionissimple.Tohelp
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  youbreakthat
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  cycleoffinancialshameandbuild
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  thosesteadyhabitsrooted
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  infaithandtruly
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  becomethekindofbelieverwho
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  handlesmoney
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  withclarity,
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  withconfidence,andwithspiritualpurpose.Yesterdaywetalkedabouthowtochoosea
• 1:57
  debt
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  payoffplanthatworksforyou.We
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  talkedaboutthesnowball
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  method
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  andthe
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  avalanchemethod,
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  andwe
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  put
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  together
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  aclear
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  pathforward.Todaywe'regoingto
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  talkaboutwhat
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  happens
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  afterthat.
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  Excitement
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  fades
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  when
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  you'redoingall
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  therightthings,butthefinishlinejustfeelssofaraway.
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  Thisepisodeisfor
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  thelonghaul.Alistener
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  wrotemeandsaid,ralph,
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  Istartedstrongwithmy
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  debtplan,but
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  nowit
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  just
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  feelsendless.Howdo
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  Istaymotivatedwhenprogressfeelssoslow?Andthat's
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  anhonestquestion.Andittellsme
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  something
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  important,whichis
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  great.You
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  haven'tquit.You'rejusttired.
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  You'refacingthatburnout.Becauseunderneaththatquestionisthis.Whatyou're
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  reallysayingis,I'mdoingthe
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  work,Ralph,butIdon'tfeelthe
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  reward
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  yet.
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  I'msoafraidI'mgoingtolose
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  momentum.
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  Idon'twanttogiveup,butI'mfeeling
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  discouraged.And,friend,this
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  isn'ta
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  disciplineproblem.It'swhatthey
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  calla
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  middlemile
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  problem.Almostevery
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  meaningfuljourneygetshardestrightthere
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  inthemiddle.
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  Because
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  the
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  beginninghasthe
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  excitement.Oh,Iwanttodothis.Andtheendhastheyeah,I
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  diditcelebration.Butthatmiddle
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  feelsquiet.
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  Butguess
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  what?Godmeetsusinthequiet.Letme
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  sayitthisway.Inthe
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  middleis
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  whereyoulearnwhetheryou'rechasing
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  afeelingorbuildinga
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  life,
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  because
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  motivationis
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  afeeling.Butfaithfulness,that'sAdecisionand
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  debt.Freedomisbuiltmorebyfaithfulnessthanbyhype.Andover
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  theyears,
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  I'vewalked
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  withso
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  manypeoplethroughdebtpayoff
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  journeys.And
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  itisa
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  journey.Andlet
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  metellyou
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  rightnow,theoneswho
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  finish,
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  they're
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  notalwaystheoneswhogofastest.They'retheoneswholearn
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  howtoencouragethemselvesalong
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  theway.Motivationisn'tsomething
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  youfindonce.It'ssomethingyoutend.Likeafire.Thinkabouta
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  fire.Yougottokeepfeedingit.Thinkaboutone
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  coupleinparticular.These
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  folkswerefaithful.They
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  wereconsistent.Theywereverypatient.Buthalfwaythrough
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  theirplan,theyfeltworndown.Listen,I'vebeenthere.Sowemade
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  onesmallchange.Westoppedmeasuringonlythebalance.That'swhatweweredoingatfirst.Weweremeasuring
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  thebalances,
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  andwe
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  started
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  measuring
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  the
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  distancetraveled.Thinkaboutthatforasecond.Thinkabout,likea
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  diet.
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  It'ssoeasy
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  tosay,well,mygoalis
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  Iwanttolose
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  50pounds.
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  Butthatseemsdiscouragingwhenyou'reinthe
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  middle.But
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  ifyousay,
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  hey,look,I've
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  alreadylost40pounds,
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  I'vealready
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  lost35pounds.
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  We
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  didthesamethingwiththe
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  money.Thereweremonthswithno
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  newdebt.We
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  celebrated
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  that.We
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  celebratedpaymentsmadeontime.Wecelebratedhabitsheldunderpressure.Andone
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  daytheysaid,we'renot
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  wherewewanttobe,Ralph,
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  butwe'renotwherewestarted.Andsee,
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  thatwasa
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  shift,becausediscouragementshrinks
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  whenprogressbecomesvisible.
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  Sohere'stoday'sgeneralquestion.Whatif
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  stayingmotivatedisn'taboutpushing
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  harder,but
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  butaboutseeingprogressdifferently?Let's
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  talk
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  about
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  howtokeepgoing.
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  Here'sthethingI'm
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  goingto
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  encourage
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  youtodo.Celebratesmall
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  winsonpurpose.Ifyou
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  only
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  celebratethefinishline,youwillfeel
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  discouragedthewholewaythere.
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  Socelebratethese
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  things.Anotherpaymentmade.Anotherweekwithoutaddingnewdebt.Anotherno
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  that
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  predictedyourfuture.Friend.Thesearevictories.Thesesmallwinsaren'tchildish.They'refueltokeepyougoing.Butyougottomake
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  progressvisible.Whatyoucan'tsee
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  ishardtocelebrate.Soputit
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  whereyoucanseeit.Ilovethisidea.Asimple
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  chargeonthefridge.Aprogressbarinanapp,Anotebookwhere
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  you
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  cross
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  stringsoff.Becausethatvisibilityfuelsthatmotivation.Here'sanothersecret.Keepyourwhy
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  infrontofyou.Debtfreedomisn'tjustabout
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  money.That'spartofit,butforsomany
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  people,it'saboutpeace.It'saboutmargin.It'saboutgenerosity.Foralotof
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  us,it'saboutRest.Sowhenmotivationfades,purposecarriesyou.Putyourwhysomewhereyou'regoingtoseeit.Maybeputitonyourphone
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  lock
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  screenorona
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  dashboardnote,
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  ormayberightinsideyourwallet.
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  Becausethattemptation
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  isloudandyourwhyneeds
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  amicrophone.
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  And
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  numberfour,
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  don'tdothis
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  alone.Ifyoudon'thearanything
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  elseIsay,
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  don'tdothisalone.Thatisolationwill
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  drain
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  yourstrength,butencouragementrestoresit.Shareprogresswith
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  atrustedfriendandasksomeone
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  tocheck
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  inonceaweek.Becausethataccountabilitydoesn'tmeanpressure,itactually
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  meanssupport.Friend,here's
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  whatIwantyoutodotoday.Iwantyoutowritethedate
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  youstartedthisdebtpaymentplanandwrite
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  one
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  thingyou've
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  doneconsistently.Writeonewhenyou'vebeenminimizingandwriteyourwhyinonesentenceandthenwriteyournext
• 6:26
  payment
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  dateandamount.That's
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  it.That'showyouturnthat
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  fogintofocus.Hebrews
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  12:1saysthisLetusrunwithperseverancethe
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  race
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  markedoutforus.Not
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  asprint,
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  not
• 6:40
  arush.Perseverance.
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  God
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  honors
• 6:43
  thesteadyrunner.Lord,wethankyoufor
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  thestrengthwhenprogressfeelsslow.Renewourmotivation.
• 6:50
  Reminduswhywestartedandhelpusseethegroundwe'vealreadycovered.Giveus
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  perseverance,Lord,
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  inthis
• 6:56
  andnotpressure.Wetrust
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  youwith
• 6:58
  thepaceandwetrustyouwith
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  theprogress.
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  InJesusname,Amen.Here'stoday'sstep.Iwant
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  youtorateyourwhyforbecomingdebt
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  freein
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  onesentence.Justonesentence.
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  AndthenIwantyoutoplaceitsomewherethatyou'regoingto
• 7:12
  seeeveryday.
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  And
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  whenyourmotivationfades,let
• 7:15
  thatpurposespeakdirectlytoyou.Friend.Discouragement
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  doesn'tmeanyou'refailing.
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  Itmeansyou'rehumanandinsidethefinancially
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  confidentChristiancommunity.
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  People
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  oftensay,thisiswhereI
• 7:26
  foundthestrengthtokeepgoingwhenIwanted
• 7:28
  to
• 7:28
  quit.It'saplacethat's
• 7:31
  safe,it'sapatientplace,
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  and
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  it'sa
• 7:33
  placebuiltfor
• 7:34
  thelonghaul.AndIwanttoencourageyou
• 7:35
  togoandjoinusthere@financiallyconfidentchristian.comjoin.That'sfinanciallyconfidentchristian.comjoin.You'realways
• 7:45
  welcometojoinus.And
• 7:46
  letmeleave
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  youwiththisslowProgressisstillprogress.Faithfulness
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  still
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  counts.
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  And
• 7:53
  God
• 7:53
  isnotrushed.Sokeepgoing.Keep.You'recloser
• 7:56
  thanyouthink.Goouttheretodayand
• 7:58
  be
• 7:58
  thefinanciallyconfidentChristian
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  thatI
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  knowyoucan
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  be.Youcandothis.
• 8:02
  Ihavefaithin
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  you.
• 8:03
  Have
• 8:03
  somefaithinyourself.Stayfinancially
• 8:05
  savvy.Godblessyou.Andyouhave
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  agreatdaytoday./
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  at /