I got a raise!

In my last post, I talked about the debt snowball.  Now, we’re still in this step a year later and many are in it for over 5 years!  Some are only in this step for less than a year. However, if you’re in for the long haul, it’s the little wins that keep you going …. along with your blow money 🙂  The best part about that step is that you feel as if you’ve had a raise!  You no longer feel like you’re living from paycheck to paycheck.  You start to feel a burden lifted as you cross those debts off and cut those credit cards up.  You can see the light at the end of the tunnel.  Some see the progress and it fuels them even more to go hard core.  I’ve heard stories of lawyers delivering pizzas at night for years to get rid of those student loans.  People take on dog-walking and all kinds of out of the box ideas to help with that snowball.

If the snowball is going to take a while, don’t get discouraged.  Keep a chart and mark off every $100 or $1000 paid toward debt each paycheck.  Keep a marble jar where each marble represents an amount of money and remove it as you pay it off.  WATCH YOUR PROGRESS.  SEE THE DEBT DWINDLE.  KEEP GOING!  We’re still working on ours and we probably will be for another year.  Hallelujah for that raise!  We can do this!

For encouragement, listen to these debt free screams.