Blogging My Way Through Debt

 - Blogging My Way Through Debt

21 Days to Becoming Intentional About Finances- Day 1

21 days 2


I am looking forward to writing and sharing this series!  As we begin the second half of 2014, there is no better time to reevaluate and be more intentional with our finances!

DAY 1 is all about the attitude!  Your attitude can certainly make or break your financial success.  If you don’t want to be intentional about your finances then you are probably going to end up frustrated and discouraged!  Your “why” (which we will discuss on Day 2) should be your number one motivator to be intentional about your finances.

5 Ways to Foster a Positive Attitude When Dealing With Your Finances

1. Always remember that everyone’s circumstances are different, EVERYONES!!!  It would be easy for me to be envious of the people that already have their mortgage paid off and they are completely debt-free!  However, I use that to motivate me to keep working hard!  They may have started their journey to becoming debt-free, WAY before me.  They may make more money than me, therefore allowing them to pay down their debt faster.

2. Do what is best for you and your family!  Don’t get discouraged because one group tells you to do one thing and another tells you the complete opposite.  I love hearing the views of other people regarding ANY decision.  I use the information given to me to help me make the best decision for our circumstances!

3.  Don’t beat yourself up over past money mistakes (live and learn)- We would definitely be in a different financial place right now, if we never went into debt to begin with.  I don’t regret any of those choices.  Our past financial choices helped shape the way we view our finances today!

4. Every little bit counts- As you watch/read about someone else who was able to make a hefty payment towards their debt, it is easy to wish that you could make that same payment.  If you are paying off debt and only have $50 to throw towards the debt, that is $50 closer you are to tackling that debt…it ALL adds up!!!

5. Ignore the critics-  Although we don’t hear criticism as often as we used to (our critics must have given up realizing that we weren’t going to change to fit their views on how we should live our financial life ;) ) we are still judged as to what others think we should spend OUR money on.  Again, only you (and your family) can decide on the spending that is important to you.

What are some ways that you keep a positive attitude when dealing with your finances?


  • Clarisse @ Make Money Your Way says:

    Yes, we should ignore the critics, as long as we know that we are spending the right way, then there’s no way that we would get affected from them. I had also made lots of bad decision money mistakes before instead of thinking it over and over again, I used it as an inspiration and learned from it.

    July 9, 2014 at 3:33 am
    • mrsdebtfighter says:

      Clarisse, thank you so much for stopping by!! :) I am glad that you, too, were able to use past money mistakes as inspiration!

      July 9, 2014 at 11:32 am
  • debs@debtdebs says:

    It’s hard not to compare if you find someone who is in a similar circumstance, but we don’t know all the nuances so it could still be like comparing grapes and raisins. Most importantly, it’s important not to be discouraged, as you say.

    I remember writing a post once with our debt update and the amount of debt we paid was quite large, compared to what I see in other blogs. I found myself defending it, for some reason, reminding people that it’s all relative and we have huge debt numbers to begin with. It was kind of weird that I felt like that, but that’s how I felt. I’m still looking for a blogger with similar amounts of consumer debt and a long payoff timeline so I can high five or chest bump them. LOL I don’t want to be left all on my own some day. hee hee

    July 10, 2014 at 1:37 am
    • mrsdebtfighter says:

      Debs, thanks so much for stopping by!! :) I agree, it’s all relative. I had to LOL at the last part of your comment, good luck with your pay-off! :)

      July 10, 2014 at 1:10 pm
  • Michelle says:

    I like to look at my visuals I use to track my debt. When I see how far I have come, I feel a lot better.

    July 28, 2014 at 7:25 pm
    • mrsdebtfighter says:

      Michelle, I agree! I am a visual person so it is easy to get excited when you can actually SEE your progress! :)

      July 30, 2014 at 12:11 am
  • Miss M says:

    I love this! Attitude is everything, and I love being reminded that it’s not a race, and it’s not something you should compare to others!

    July 31, 2014 at 2:02 am
    • mrsdebtfighter says:

      Miss M, thank you!! :) We all need the reminder occasionally!

      July 31, 2014 at 11:14 am

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