On my debt free journey I’ve learned that motivation is everything. If we want to see progress we have to engineer our environment to bump ourselves along to success. Gamify, Automate & Habitify (GAH!) are my watchwords!
Support is a major component of achievement, so surrounding yourself with people who encourage you is key. It’s why I joined the #debtfreecommunity on Instagram when I first started getting serious about paying down my $130,000 student loan debt. Working toward a common goal along with hundreds of others brings a sense of community and accomplishment unlike anything else.
No one has a bigger stake in our goals than us, so how can we channel that energy to motivate ourselves even more?
To get future me FIREd up, I send her encouraging letters from the past. How? Since I don’t have a time machine (yet!), I use a free website called futureme.org. It’s just like sending a regular email, except that you can change the delivery date so that your email will be sent to the future! Keep in mind that your email must be sent at least 30 days into the future. Also, I know I said it was free but if you feel like donating to keep the site going there is an option to do so.
I like to send a few encouraging words when I hit certain milestones, like paying down my debt below a certain number or maintaining a positive habit. You can write whatever you like!
The best part is, I quickly forget when I sent them and what I wrote so these emails are usually a surprise! It’s great to get a note in my inbox from my past self, telling me to stay the course and reminding me of the progress I’ve made. Thanks, past self! I try to pay it forward by writing a new email that day for future me. In that way it can be a self-perpetuating cycle since each email reminds me to send a new one and continue the chain.
Check out Future Me to send your future self some love! Or, if you prefer an analog version, you can write some post-dated letters and stash them in a drawer to open later.
What are some fun methods you use to stay motivated?