I’m bored. Bored silly. With debt payoff. With budgeting. With spend-tracking and with trying to reach goals that seem as if they’ll never come. We’re working on a couple of big things that have the potential to catapult our debt payoff big time, but the waiting, as they say, is the hardest part. The excitement that flourished when we first came upon these ideas is long gone, and so we wait.
And as we wait, the motivation wanes. It hasn’t waned to the point where I want to spend money we shouldn’t spend, it’s just that I’m so. darn. bored. With this whole debt payoff process. So I’ve been working extra hard to come up with ideas to motivate me. Here are some helps that can increase motivation if you’re struggling with being bored silly with your goals like I am.
Education rocks. Do you know how lucky we are to live in the U.S. and Canada where public education is readily available and usually free? In Haiti for instance, education always costs money and most people living there are beyond poor. For most in Haiti, education only comes when good folk donate to cover the cost by sponsoring a child.
I’ve always worked to have an appreciation for education and for those who work in the education arena (thanks, Ruth!!). And when it comes to motivation in personal finance, education will hook you up. Here are some of my favorite sources of PF education.
- Podcasts and radio shows. There are many wonderful PF educators out there who share their wisdom via podcasts and radio shows. Dave Ramsey, Chris Brown, Clark Howard, etc.
- Books. I’ve pretty much read all PF books, but if you haven’t check out your local library for some great PF books
- PF blogs. Of course. They’re everywhere, and you can always learn something new by reading them
Learning something new and exciting always helps to get you out of a rut, no matter what kind of a rut it is.
Re-Work the Numbers
By re-working our plan and trying to find ways to speed things up, I find motivation. I have yet to re-work our plan and not find something that we can do better.
Do Something to Speed Up Forward Progress
I search the Net for a one-time writing job. I share posts with affiliate links. Or I find something around the house to sell.
There’s something about bursts of forward progress that get a person motivated to keep going. With health for instance, I try doing a workout that is much more intense than usual and challenges my strength.
If you’re struggling for motivation, trying taking a step to speed up forward progress, just for today.
Visualization is a powerful tool for motivation. In the case of debt payoff or working toward financial independence, try visualizing your life without debt or with enough money so that you could retire if you wanted to. Hold on to that picture as you work through your boredom stage.
There’s nothing like gratitude for kicking boredom right out of your life. For me, boredom always seems to come with a dose of self-pity. Does that happen to anyone else??
Then along comes a story that makes me pull up my big girls pants and start being grateful. The stories are everywhere – simply search around you or read the daily news.
Or make a list of all of the things you have. Food. Water. Shelter. Employment. Family. Friends. Freedom.
The list of what most have to be grateful for goes on and on, so use it to your advantage and kick boredom right out the window.
What long term goals are you working on right now? How do you work to stay motivated when working on long term goals?