Writing down your plan will help you to achieve it. Use notebook paper and allow enough space to include the number of months to fulfill your plan. With each creditor, list the payment which is planned, the amount paid and the new balance due after the payment is made.

Do this with each creditor for each month a payment is due, until the debt with that particular creditor is erased. Recording your payments will give you a sense of achievement and satisfaction. Watching the balances diminish will give you an excitement that will help you stick to your goal.

Your thoughts on this subject? Your comments appreciated!

Content © Rich Brott, 2011

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