Motivate yourself
Remember the chain links we all made as kids in school. This week, make a paper chain link where each link is worth $100 of your consumer debt. So if you owe $23,600, your chain would have 236 links. Hang your chain somewhere you’ll see it a lot: over your bed, in the kitchen, beside the TV. Each time you pay off $100 of your debt, cut off one of your links. This is a great way to remind yourself of the progress you’re making in becoming debt-free forever.