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If I Had a Nickel …

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How many times have you heard, “If I had a nickel … (and then something like – for every time blah, blah, blah)”.

I’ve heard that alot, and here’s my latest one:

If I had a nickel for every time I’ve goofed up on my road so far to become debt free, I’d be a millionaire.

Okay, so I haven’t goofed up that much – but I have made some blunders.

Like the time I initiated a balance transfer to the wrong credit card.

Or, like the time I paid my credit card late by one day.

Or, like the time my husband received an inheritance and it was spent unwisely.

The point I’m trying to make is that we ALL make mistakes. Just learn from those mistakes and don’t make them again. Reducing your debt is not an easy thing to do. If it was, there wouldn’t be so many of us blogging to track our progress to get rid of it. Just pick your head back up, look straight ahead at your goal, and reach it.

Now, will I ever enter in the wrong credit card number when doing a balance transfer again? You bet yer britches I won’t! πŸ™‚

*Article included at the Carnival of Debt Reduction #31 at Canadian Capitalist
Technorati Tags: debt, credit+cards, debt+reduction

Sharing a Quote on Determination

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“A determined soul will do more with a rusty monkey wrench than a loafer will accomplish with all the tools in a machine shop.”

– Robert Hughes

MY THOUGHTS:
You can have all the tools in the world, but they will not mean a thing if you lack determination. And it has to be true determination – the kind that you feel from your heart and you feel in every inch of your body. I truly believe that with determination, you can make things happen.

Technorati Tags: quote, motivation

I Can Be Debt-Free!!

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A common phrase that I catch myself saying (or thinking) alot whenever someone says something negative is: “Not with that attitude.”

Those 4 words mean alot to me. It stresses how important I feel it is to have a positive attitude.

Instead of saying “maybe I can do it” you need to be saying “I can do it.” Remove all of the doubt in your voice.

For me, it means instead of saying, “Maybe I can be debt-free” I am saying “I CAN BE DEBT-FREE!”

A positive attitude can go a long way when you have goals to reach πŸ˜‰

Technorati Tags: debt+free, positive+attitude