Defeat Debt Today by Saying Goodbye to Procrastination
Do you spend a lot of time thinking about your credit card debt but not doing much about it?
If you’re tired of talking about it and are finally ready to do something to bring your debts down, then this blog post is for you. Here, you’ll discover how to stop procrastinating and finally take action on your unwelcomed debt. You’ll see everything you need to do to avoid putting things off until tomorrow.
Everyone procrastinates sometimes, but if it becomes such a problem that you aren’t accomplishing things that you want to, it’s time to create some new habits.
Research has shown that the hardest part of accomplishing goals is simply getting started. And that’s part of what you’ll learn here.
Here are four ways to overcome procrastination and start reducing your credit card debt.
1. Set Your Goals
If you create goals that you’re excited about, you’ll be less likely to procrastinate. It won’t eliminate procrastination altogether, but when you’re enthusiastic about something, you want to be involved in it.
Goals can be set in any area of the debt reduction process. You can set goals for trimming monthly expenses, creating your first budget, deciding whether you need outside help from a third-party like debt consolidation companies.
Sometimes, just the act of setting a couple of goals can make you more productive in every aspect of financial management. You can’t expect to do something if you’re unsure of what exactly you need to do on a daily basis.
So make sure you follow through with this simple task.
2. Create a To-Do List
Do you wake up each morning without a plan for cutting your credit card debt? Do you come home from work and lay on the couch until it’s time for bed? If you answered yes to either of these questions, you might benefit from a to-do list. Spend a few minutes before bed thinking about what you’d like to accomplish the next day as far as your finances go.
Then, make a to-do list.
You won’t spend the next morning wondering about what you should tackle first. You’ll have a plan already laid out for yourself. You’ll avoid mistakes. To-do lists can be priceless in beating procrastination and organizing financial matters.
Use them, and use them daily.
3. Eliminate and Delegate
If you have goals and find yourself doing everything besides chasing them, it’s time to eliminate and delegate tasks that don’t necessarily have to be done by you. Do you cook dinner and wash all the dishes after the meal has been eaten? It’s time for other people do wash the dishes.
By taking on all of the chores and other tasks that you’ve convinced yourself you need to do, procrastination wins and your finances lose.
So, if you’re married with kids or live with someone else, split the tasks up among everyone. This will allow you to focus on your debt reduction.
The other people involved might not like it, but just explain the reasons for doing it. If they truly care about you and the family finances, they’re more likely to be ok with everything.
Having a productive person in your social circle can be very beneficial to your own productivity. Watching someone else use their time wisely and go after what they want is inspiring. This is also true when you’re in debt and attempting to be smarter with your money.
You can share goals with this friend and encourage each other. Asking your friend to hold you accountable with your money management tasks can be helpful.
While you can’t rely solely on this person to keep you on track, knowing that they are going to ask about your progress can prevent you from procrastinating. You won’t want to disappoint them.
Find someone you really admire to be your goal buddy for reducing debt. You’ll be pleasantly surprised at how effective this can be.
You Can Avoid Debt Procrastination…
You can beat debt procrastination by creating new habits in your life. By using the above tips you can get started on a path to productivity.
A lot of people have a pretty good idea of what they have to do to bring down their debt but never actually get around to doing anything until it’s way too late.
If you really want to shed all of your debt and succeed in restoring your finances back to good health, you have to stop talking about what needs to be done and go out there and do it.
Procrastination is not an option.
The people who succeed at reducing debt are the ones that take action and refuse to lose. They refuse to give up or let obstacles hinder their progress. Procrastination is your biggest enemy when it comes to dealing with credit card debt. So please, once and for all, get around to it.
Those who succeed don’t let anything distract them from their goals.