You’d never say, “I want to be in debt”, right? Of course not. And you’d certainly never say that you wanted to be in debt forever.
Or would you?
You might be surprised, because those are exactly the kinds of things many of us say on a regular basis. Oh, we don’t say them out loud. Instead, we say them with our actions.
What our actions say
Every time you put something on credit or take on “easy monthly payments” you’re saying that you want to be in debt. You can’t struggle to pay off a $1,000 credit card on one hand while going out and borrowing $15,800 for a car on the other. You can’t afford to buy the new iPhone 5 if you’re just making minimum payments on your debt.
Doing those kind of things makes no sense. It’s saying (with your actions) that you want to be in debt.
Change your actions
If you want to get out of debt, you’ve got to change what you do.
You might really need a car. But if you truly want to get out of debt, you don’t need a car payment. If you’ve got $2000-$3000, you can buy an inexpensive car that will do for now — one you can afford to pay cash for. (They ARE out there.) Or you find another way to get to work until you’ve got the money.
You’ve got to change your actions so that they line up with your stated goal. If you find that hard to do (and it can be very hard at first) picture yourself saying “If I take on this payment, it’s like saying I want to be in debt.” You’ll probably be inspired to find another way.
And then both your words and your actions will be saying “I want to be debt free!” instead. That’s when you’ll truly be on your way.