DEBT FREE MOTIVATION | how to keep going on your debt free journey

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Helping Millennials and Gen Zers survive capitalism by feeling confident with saving, paying off debt, investing and budgeting in a way that works for YOU.

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Hi Friends!

Welcome to the Avocado Toast Budget YouTube! I am so excited for us to take a deep dive into budgeting and show you how awesome and freeing budgeting can really be. Today we are talking about how to stay motivated when paying off debt. You know that feeling of thinking you will NEVER be debt free? Wondering how you're ever going to save money, pay off your mounds of student loans, or ever retire?

I've been there. And along the way I have learned some tricks on how to motivate yourself to get excited to pay off debt and save money again.

Some of my favorite ways to stay motivated when paying off debt:

Visual savings trackers: using sinking fund and savings trackers can be a great way to stay motivated on your debt free journey. Or if you have large savings goals, savings trackers are great at keeping you motivated to save more money. You can use savings trackers for debt payoff goals or larger savings goals. This breaks large personal finance goals into smaller savings goals.

Give yourself fun money: it might seem counter intuitive to spend money money when you are in debt, but stick with me. I think it's crucial for you to give yourself fun money every month in order to avoid burnout in your budget. You want to budget for the long term. Budgeting should be a lifelong journey in order to maximize our savings, invest as much as possible, and pay off your debt. Therefore, you need to make your budget sustainable. Giving yourself fun money to spend on things that are important to you keeps you excited about budgeting and keeps you on track with your debt payoff goals and savings goals for the long run.

Have a Budget Friend: Having a friend who is also going through their own debt free journey or budgeting journey can make a huge difference in your motivation to keep going. You need to have people around you that you can confide in when saving money and paying off debt gets difficult. You also want people you can share your money successes with!

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