Debt Free Diary Entry 10- Finding Balance and Fighting Discipline

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April, 2017


It is such a tricky and precarious thing to achieve. I understand that I need to work extra to make more money. But, I am also not willing to work 24-7 and miss a year or more of my son’s life. I will never get those back.

I know that we need to cut back in order to get ahead but do I really have to live off of rice and beans? Can I still eat fruits and vegetables and go to the gym? That will give me more energy anyway. Right?

I understand that I need focus and intensity but it has been almost year and I am tired. My intensity is waning.

We went to the Dave Ramsey Smart Money event last night and honestly, I was a little disappointed. Not because it wasn’t good- it was great. I am disappointed because I expected the magic formula, the extra kick in the pants, whatever it is that I need to want to be back on track.

You know what I got instead? The same information I already knew.

I left knowing that we need to keep going but still not feeling the desire. I realized that there is no magic formula or quick fix. Becoming debt free is hard. It takes discipline, sacrifice, and hard work. That is not fun.

So, I am disappointed.

Not by Dave. By life. By the fact that we either keep pushing forward and fighting for freedom or sink back into the comfort of our chains. Although we are getting pretty comfortable in our chained to the neck but without overdraft fees reality- it’s still not freedom.

Giving up now would be kind of a cowardly move.

So, we have to keep pushing, work harder, sell more, sacrifice more and work to the end.


I think I started this off incorrectly. It’s not balance that I need at the moment. It’s balance that I want, but balance in itself is a privilege.

Right now what I need is discipline. Discipline to keep going, keep sacrificing the things I want and think I need. It is hard- uncomfortable- sometimes downright painful. But lack of discipline lead me to where I am today so it is time to (cue goofy Dave Ramsey clap) “change”.

Wallowing around in this midpoint is getting us nowhere and prolonging the suffering. If we can really work hard for the next year, we can meet our goals. We have 11 months to go (before our debt freedom goal) and a lot of debt to pay but we can do it. Mathematically it is probably impossible but this isn’t about math. This is about behavior. It is about change. It is about discipline.

What do you do to keep yourself focused and disciplined when things get hard? I’d love any ideas in the comments below!


Author: Vanessa

I am a free spirit who learned to use creativity as a key to success in chasing after debt freedom. I am a mom, lover of all things DIY, a little bit of a treehugger and modern-day hippy and an encourager to the core. If you need a little inspiration for your debt free journey, you’ve come to the right place.

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