What's your inspiration? How do you remind yourself of your goals? DH and I always do awesome for a few months and then slip right back into the old ways. Currently, we have no credit card debt, only some student loans and a car payment. But we have no emergency fund thanks to some unexpected dental bills. We are really trying to gear up to get our EF back and pay off the car loan as quick as we can (we just got this car a few months back).
So I made little sleeves for our cards to go in which we put things that remind of us WHY we need to get out of debt and be financially fit. anytime we user our debit card, we have to think about it. No more mindless spending. I think I'm going to make a big "REASONS WHY" poster to hang on our door heading out of the house and put pics that remind us that we have to buckle down so we can live the life we want to live. I want to leave the house reminded that every purchase needs a valid purpose. I feel like a cornball doing it, but so far it's worked (granted it's only been four days! lol!).
How you stay focused and dedicated? What's your trick?