My husband and I are attempting to
work on our finances by following Dave Ramsey's "Financial Peace
University" study, and part of his debt reduction plan includes paying
off debt over time with what is known as a "Snowball" effect.
What
he means is that you pay off the smallest balance first, then you
"snowball" what you WERE paying for the smallest balance into the
payment for the NEXT smallest balance debt, and so on and so forth.
So
every day, you are doing the work necessary to get out of debt, and you
are scoring victories right away by seeing the small balances go away
so you can get to work on the larger balances.
Getting healthy is
a similar process, you are doing the same work every day and scoring
small consistent victories as we "snowball" that daily effort into the
larger victories. And soon enough, our "energy surplus" that we have
been carrying around for years and years (in the form of unwanted and
unnecessary fat) is reduced and eventually eliminated! It's all about
energy balance! =)
But the work is the same! I've never seen
Dave Ramsey advocate "celebrating" paying off one of the smaller balance
credit cards by going on a "splurge" and creating more debt in the
process!
And the same holds true for us.
Daily,
consistent, steady effort practicing delayed gratification in view of a
larger goal that is fundamentally important to us.
LOVE it!
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