That feeling of exhaustion after you have been frugal for so long. The sense of dread when you have denied yourself for months at a time while focused on a bigger goal, whether that be debt freedom or just making ends meet.
When you are working on your frugality and not something that comes naturally, it’s stressful. The reason you have cut back on spending is that you are working on that bigger money goal.
Planning out where your money will go, also known as a zero-based budget, is a key to peace of mind. Knowing that all bills have been paid and a debt payoff plan has been put into action will ease financial indecisions’ stressors.
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Sometimes it’s exhausting saying no all the time. “Can’t afford it,” “I don’t have the money,” or “It’s not in the budget” over and over will suck the motivation out of you super fast.
1 - Break It Down
So you want to get out of debt? You’ve gone through all the pre-steps of creating a budget, and you know how much debt you have. $62,976.21 is a LOT of money.