Personal Finance Takes Time

When you first start out with a written budget, it's exciting because maybe for the first time in your life, you see real possibilities. You begin to imagine what a life without debt might look like. Whereas before you might have been resigned to the idea that you'll always be in debt, once you create a written plan, those old ideas begin to change.

When you pay off your first debt completely, you realize that the plan works. It's a really exciting time! Then you pay off your next smallest, debt, and you begin to see the light at the end of the tunnel. It's faint and way off in the distance, but it's definitely there.

It's important to remember that this is in fact a journey. The beginning is great, but as in any journey, there will be peaks and valleys. When you're in the valleys, remember that while you may have acquired your debt in a day, it takes time and dedication to the plan to get out of debt. Don't get frustrated if it isn't moving fast enough.

If you keep working your spending plan, you'll get out of debt. It will likely happen faster than you expect it to, so keep going. You've got this!