General Blog

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How to Start Your Debt Relief Efforts Immediately


Finding justification not to do something about credit card debt has become second nature for a lot of people. In fact, humans have become really good at coming up with excuses for not doing a particular job. Most of these reasons are total B.S.

However, by putting in a little effort to understand why you are putting off a task such as debt relief, it then becomes effortless to rid yourself of this terrible mentality and actually start getting things done.

What a great thought… getting things done.

How often have you said “I can start the process tomorrow”? Then tomorrow comes and you never do wind up starting the project. People have become very good at this type of thought process.

One of the reasons for this is that there is no definite deadline for starting and finishing this job. And this is why you should create a definite deadline for at least starting a job such as credit card debt consolidation.

Other Stupid Excuses for Not Reducing Debt

Other ways we put off doing something is by allowing our minds to convince us that some other task needs to be finished before you start on your credit card debt relief. This, obviously is nonsense.

The best way to eliminate this is to define simple parameters for starting and finishing your important tasks. This eliminates the nonsense of thinking you have to do something else first.

But we’re not done with our procrastination lesson. On top of the 2 reasons given above, another way we avoid doing things is by convincing ourselves we don’t have all the facts yet. And because of this, we will do countless hours of so called research.

And then we start suffering from paralysis by analysis. Which means we wind up doing nothing. We keep looking for that magic bit of information that’s going to make the job super-simple. And when we don’t find it, we just keep on searching.

We are doing this just to avoid performing the task.

Sometimes We Just Feel Beaten Down

Another unfortunate reason why we don’t take on our debt is because we just feel like it’s an impossible job. We don’t think we are capable of triumphing in the face of this adversity. Our confidence is shot to pieces. We get overwhelmed. Or, at least, that’s the way we feel.

But where there is a will there is a way. If you were to simply take it one step at a time, things wouldn’t seem so difficult. So don’t think you have to accomplish big things in a small amount of time.

That kind of mentality can be detrimental when you’re trying to escape credit card debt. Slow but steady will get the job done here.

When you start feeling overwhelmed, just tell yourself that it’s a marathon and not a sprint. Your mind can play some nasty tricks on you if you let it.

The Lamest Justification for Not Doing It

The most absurd reasoning we come up with for avoiding our debt relief obligation is that we actually convince ourselves that we are just too busy to deal with it right now.

But convincing ourselves of that would mean that there is some other more important task that we’re working on. Most of the time, that is not the case. What could be more important than getting your financial house in order? Most likely, nothing.

There’s no good reason why you can’t bring yourself to at least begin the crucial first steps of credit card debt relief. And there’s no good reason why you can’t continue the process all the way to the end. If you just break it all down into small steps, you can succeed.

A simple to do list would go a long way towards helping you achieve your goals here.