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The Mental Game of Debt Relief

Updated on January 27, 2011

Following a plan for debt relief isn’t easy and there are many days when you feel like you’re not getting anywhere.  There are those months when the you-know-what hits the fan and that extra money for debt has to go for something more pressing and so that giant pile of debt continues to loom overhead.

This is when the mental game of debt relief comes into play. Can you see your plan through? Or will you at some point succumb to throwing your hands in the air and giving up?

One month, I did just that…threw up my hands up and said, “Eff it!” It was a rough month with little money coming in and unexpected (and expensive) expenses coming in that cleared out our emergency fund and the money we used towards my debt snowball. I was so discouraged that I simply gave up and went back to using credit cards for everything….we ate out a lot that month too.  It didn’t help that my husband was clearly relieved not to be on “The Plan” anymore.

After a few weeks, regret started to seep in and I felt sick that I gave up so easily. A little voice in my head began whispering those trite clichés, “When you fall off the horse, just get back on.” And, “Pick yourself up and dust yourself off…”

And so I did. This was a little over three years ago and today we are on our last debt – a hefty student loan for my son. I figured we were spending money left and right all those years when we should have been saving for his college and didn’t. The loan belonged to us and not him.

If you can stay mentally in the game of debt relief and not give up at the first sign of trouble, you will become debt free. It is guaranteed there will be times when you don’t think you’ll make it, but if you stay focused and roll with the punches (more clichés!), eventually you’ll come out on top.


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    • bloggering profile imageAUTHOR


      6 years ago from Southern California

      Thanks for stopping by g-girl! We are getting closer and closer to being debt free and it is a great feeling. If you look at any of my hubs regarding the snowball method - or just read Dave Ramsey's book, "Total Money Makeover" - it explains how we are accomplishing this.

    • g-girl11 profile image


      6 years ago

      That is awesome that you are on your last debt! I want to be able to say that one day,too. I would love to know the specific steps you took to get there.

    • bloggering profile imageAUTHOR


      7 years ago from Southern California

      Good words of advice tsmog! Keeping a good attitude and making time for fun is so important so you don't burn out and give up.

    • tsmog profile image

      Tim Mitchell 

      7 years ago from Escondido, CA

      Great hub and hope to see more on this subject. Debt relief planning is stressful. Especially when changes in lifestyle become apparent.

      Self-esteem becomes an issue, perusing the past fogs up the picture, and feelings conjure up the ol' Eff it solution. I have been there too! Being bipolar, I was extremely manic and went to la-la land with credit cards and online purchasing. I still don't know what all I bought. It led to chapt 13, but I am paying it back just through the court system. I don't recommend it, since it is a life altering event.

      Your articles on debt relief & budgeting give hope to those who read them. Ideas are always fuel for solutions. And your shared knowledge on sewing and sewing machines hint to a possible solution of savings and even earning power. Well thought out!

      Oh, and your son being on his own causes me to giggle. Though somewhat a selfish motive, you and your husband are great parents , , ,remember to smile and have fun, fun, fun , , ,

    • bloggering profile imageAUTHOR


      7 years ago from Southern California

      Thanks forkhyun - It's not as selfless as it sounds though. If he had to make the payments on that debt, he'd still be living with me ;-)

    • forkhyun profile image


      7 years ago from Korea, Canada

      It's good article. Interesting thing is that your son's student loan belongs to you instead of your son's... You are very generous to your kid.


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