Now, open your eyes and write whatever comes to your mind when you think about how you feel at that moment. Here are some of the best examples I've seen from our Smart Cookies: I am debt free and I feel complete, at peace and enthusiastic all at the same time. I feel like I'm on fire, like I can do anything!
I am debt free and I have that same sense of excitement I used to get on the night before Christmas when I was a kid, because I can now take that dream trip with my family – guilt free!
Don't just write out your feeling on a piece of paper and shove it away. Keep reminders of your core feeling everywhere; make it part of your daily existence. Some Smart Cookies have set up email reminders with their debt-free statement emailed to themselves, others have created Pinterest boards with images that remind them of the feeling and of the experiences they'll be able to have once their debt is paid off.
Of course, there is no question that paying off debt requires organization, discipline and eventually, yes, you do have to look at the numbers. But those who are the most focused and successful at paying down their debt don't focus on how they're going to do it, they focus on why they're doing it. While this doesn't make the process easy, for many it’s the one thing that helps them push through the most challenging moments or, in my experience, calm the hives.