I remember thinking there was no way we would ever be free from our debt. We had been running on the hamster wheel of minimum payments for so long it became a way of life for us.
When you look at all you owe it can easily become very overwhelming. I don’t know about you, but when I get overwhelmed it is in my nature to run away or choose denial. I want to encourage you to try something else when you are first facing your debt head-on.
On a piece of paper write down every single person you owe and how much you owe them.
Then rewrite this list starting with your smallest bill owed, until you have listed them all in order of amounts from least to greatest.
Instead of looking at the entire list, just take a look at your smallest bill and plan to attack that one bill with all you’ve got.