Money Matters
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Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
When you're in debt paydown mode
how do you stay positive and on track? What are some tricks you've learned to keep you focused?
I struggle with this... I tend to lose momentum, get frustrated and end up going back in to debt for a purchase (not a frivolous purchase, but something we need that I don't have the patience to save up for). So I'm looking for some motivational tips. 
What keeps you on track? Right now the only thing I have is trying to keep my eye on the prize... we want to buy a house in the country someday, and need to be debt free to do it.
Re: When you're in debt paydown mode
FI has 33,000 worth of SL debt. We are paying it down so we can start a family in 3-5 years. That is enough of a prize for me but he isn't ready for kids so it isn't prize enough for him. So for his prize we plan to put a plan together to go on a trip
Love: March 2010 Marriage: July 2013 Debt Free: October 2014 TTC: May 2015
Freeze the credit card in a block of ice and use cash (debit card) only.
Read Dave Ramsey's book Total Money Makeover - lots of motivation there.
Post a picture of your ideal future (country house, nice vacation etc) on your refrigerator s
For anything I want to remain excited about and motivated about, I put it in an Excel spreadsheet and then build a line graph of it (nerdy, I know, but it works).
It tracks my progress visually. It's easier to stay on track if you have a picture
Well, I tried, and it's too sophisticated for me. But that's okay, when I'm feeling kind of anxious about the debt I'll google how to do it to keep me occupied until the anxiety passes.
See one CC with a 0 balance this mornin
For me, what works is to think of it like a diet. You can't be constantly hardcore about paying off debt, and throwing every extra dollar to your debt without allowing splurges because then, as with a diet, if you are too strict, you'll end up s