Nurture Your Debt-Free Dream if You Want to Turn it into Reality

By Jackie Beck   Updated 05/10/2021 at 8:46 am

You want to get out of debt. You dream of being debt free. You work hard at it, sending in extra payments and finding additional ways to cut back and bring in more money.

But sometimes, it feels like you’re getting nowhere fast.

That’s exactly when it’s most important to nurture your debt-free dream.

Remember this

You are getting somewhere — even if you’re having setbacks, or not seeing your balances go down as quickly as you would like. (Believe me, there were days when it seemed like our debt was only creeping down.)

But as long as you’re not giving up; you’re making progress — especially once you’ve stopped borrowing.

No matter where you are in your journey right now, remember that it’s important to nurture your debt-free dream on a regular basis. How do you do that?

Spend time on your why

Spend time on your why by thinking about why you’re getting out of debt. Imagine what things will be like when you are. Really picture it, write it out, and talk about it with other supportive people.

Try thinking of yourself as a pioneer, only without the strong possibility of dying along the way. The pioneers had more than a goal: they had a dream. And they nurtured the heck out of that dream while they walked across America, enduring blizzards, lack of water, disease, and other hardships.

They kept going, no matter how hard things got. They continued putting one foot in front of the other, focused on that beautiful land and future they would have one day — and not the blisters they could feel on their rag-wrapped feet.

What happens when you’ve got a dream?

You don’t turn back when you’ve got a dream. You keep going. Sometimes, you rest and regroup for a few days. Sometimes you get sidetracked by how easy it might have been to just stayed home like those normal people back east who couldn’t believe you were venturing out into the wild.

But then you remember what you really want.

Nurture your debt free dream, and you’ll enjoy the fruits of your labor when you get there.

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What will you do when you're debt free? Nurture that dream!

3 thoughts on “Nurture Your Debt-Free Dream if You Want to Turn it into Reality

  1. “Spend time on your why”, that’s great advice. Writing and dreaming about being completely debt free has really given us a mental boost. Talking about it with friends or family in person is even more encouraging.

  2. We are both retired, second marriage. We had to go into debt for “our place”!
    We are on a 3 year plan of doubling principal
    payments and cutting vacation trips until we can use the mortgage payments for vacation!

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