It’s Wednesday! It’s time to discuss debt, but I’m going to start out with a little confession. Then I would love to hear your experience and insight on debt!
Waking up early has never been a talent of mine. I would rather stay up late working on a project than wake up early to get it done.
I really want to be an early-riser. So many of the amazing, inspiring, wise, productive, people I admire get up early. They say that those early morning hours are their most productive. Harnessing the power of the quiet wee morning hours is the secret to their success.
Even my little ones can quote Ben Franklin’s “Early to bed and early to rise makes a man healthy and wealthy and wise.”
I know I can get up early. Through all four years of high school I woke up (with my parents’ help) to attend a daily early-morning scripture study class at church. For several years in college, I worked an early morning (4 AM!) custodial job on campus.
Fits and Starts
Becoming a “morning person”is a frequent resolution of mine. Sometimes I do really well. I feel so triumphant on those mornings when I pop out of bed when the alarm sounds. I accomplish so much in that hour or two before the kids start waking up. I’m also in a much better mood to greet my little ones than the other mornings when they are the ones dragging me out of bed.
As badly as I want to wake up early, I have such a hard time with consistency. I go in fits and starts. For several days I’ll get up like a champ, then for a few more days I just can’t do it. I am far from making my resolution into a habit.
Thankfully each new day gives me another opportunity to try again.
Does this sound anything like your debt repayment journey? Do you have bursts of energy and enthusiasm, then a couple months later have trouble finding motivation?
Consistency can be a challenge in any resolution. Since this is a debt discussion, let’s talk about consistency in debt repayment. Your stories and suggestions can help us all improve our consistency. Maybe I’ll even learn something to improve my success in all those early mornings.
If you find yourself experiencing bursts of energy followed by dips in enthusiasm in your debt repayment, what do you think might be the underlying reasons it’s so hard to stay consistent?
What do you do to be consistent in your resolve to pay off your debt? How do you avoid fits and starts in repayment?
What suggestions do you have for someone who is struggling to stick with their resolve (in debt repayment or other life challenges)?