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$$ Money is My Motivator $$

Monday, July 29, 2013

$$ Money is My Motivator $$

It just seems like everything in my life right now is revolving around money. The reason for that is my focus on getting out of debt by the end of 2015. I’m going to put these out there just to put things into perspective. I have $16,000 in credit card debt that I was “awarded” with in the divorce; I owe $6,000 on a 401k loan that I took out to pay for my divorce. I bought a new truck to be able to haul my horses after the divorce was final & I currently owe $29,000 on it. I also owe $8,000 on a tractor.

Good news is I work two jobs & all my bills are current & paid as promised. I’m not behind on anything, which if I was still married; I don’t believe that I would be able to say that. Yea, I’m working two jobs now, but honestly that is my choice; I could live paycheck-to-paycheck working one job, but I do not desire to live like that any more!

I have really been able to focus on saving money to pay off these bills. I must find a way to put that same focus on getting rid of my excess weight. I don’t care to loose the weight because I never want to find myself overweight again, just like I never want to find myself in this much debt again.

I have made saving money a game; I have all kinds of ways that I save money. I am going to come up with a plan to do the same with my journey to reduce my weight. I am going to look at it like my debt. I have some ideas, but over the next couple of days I will come up with a plan that will reward my weight reduction efforts, while also rewarding my debt reduction efforts!

How do you keep yourself motivated to loose your excess weight?
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  • SHARON10002
    Sorry the divorce "saddled" you with all this debt! It's great that you are not allowing your imagination to be "corralled" with thinking about it. Lots of good ideas here for you, and your determination and persistence has enabled you to do some very difficult things. I know that you will clear this hurdle, too! emoticon
    1637 days ago
    You certainly have the right attitude. Plus you have a lot of people rooting for you as
    well. emoticon emoticon
    1638 days ago
    Congratulations on working so hard to pay off your debts. I'm sorry about the circumstances that put you into this situation. But it sounds like your determined and have a great plan.
    Is there any way to consolidate all your debts into one low interest rate bill? Just wondering. I know my girlfriend did something like that but I'm not sure how she did it. I think she went to the bank with all her debt papers and got some kind of low interest loan combining these debts which were paid and she's now paying for the one loan. But I'm not sure. I could check with her if you want.
    As far as loosing weight, to me it's try to eat healthy and keep moving.
    emoticon emoticon emoticon
    1638 days ago
    I think one great reward would be to find an awesome trail you don't usually go to. Once you hit your small goal, you reward yourself by trailering your horse there for the day... perhaps even invite a friend along and picnic!!
    1639 days ago
    So glad that you are getting along better financially after the divorce! So sorry about all the debt from the divorce, not good! Thank goodness when I divorced, there as NO credit card debt or I am sure I would have been stuck with the whole amount! It is a great thing you are doing, concentrating on paying down your debt! It is hard to lose weight when a bunch of stressors come together, and that is where you have been lately! emoticon emoticon
    1639 days ago
    I think you are going about this just the right way. Do it for yourself - for your health, your peace of mind, your self esteem, to prove you're a powerful woman and this other crud isn't going to keep you down, and whatever else you decide. You're in charge here - you're the boss-lady! Go for it!
    emoticon emoticon emoticon
    1639 days ago
    Very good way of looking at things, "rewarded" I like that.

    As for ideas maybe included the weightless in the money saving game. After all when u eat healthy, u eat less, u don't eat out as often or order as much u save money, make it a penalty to have sweets u have to put so much $ in a jar to be used for something specific. walk or bike places instead of driving. Pay yourself for excercise instead of just 'giving' yourself spending money, ( earn ur movie time!). New clothes can be pricey but smaller sizes tend to be cheaper as they are more abundant, and larger sizes have more of a resale value, ( I made several grand selling my "fat" clothes at a yard sale, and bought a whole new wardrobe w money left over!). Just some ideas.

    Having the stamina to play with my child was my main motivation then as I lost weight, vanity played a big roll. Now fear of failure definitely helps keep me on track! Vanity is still a big player as is my kid, (mommy u chase me?). Finances need to replace my lovely new wardrobe is defiantly scary, bit the biggest is quit simply that I like myself better now.

    Keep it up and don't loose hope or motivation, u will find what works best for u. You are awesome and beautiful how you are, it can only get better!!
    1639 days ago
    Stumbled across this and decided to apply your point of view. I've been working on reducing my weight and my debt both - and making pretty good progress on both, if not as fast as I'd like - but never thought of connecting the two thoughts. I'm hoping this perspective helps me be a bit more patient with myself :)
    1639 days ago
    It sounds so interesting how you are making a game out of saving money. I like to do that, too. I usually save for something special. For you right now it is getting out of debt and I think that is a great modivator. It will be such a great feeling and great accomplishment. When you come up with the plan for making more of a game out of losing weight, please share it. I am very interested and I think others will be, too. Might as well have fun with the things you have to, need to, or want to do! I motivate myself to get the housework done by rewarding myself with some activity I like to do, like reading. I am not a big fan of housework! I will be watching for your weight loss incentive plan and if younhave the time to share your financial saving ideas on here, I would be interested in learning some new ideas.
    It sounds like you have been through a rough patch and that you are doing a great job of getting your life back in order. We all have those rough times and have to work our way through them. My congratulations on the great progress you have made so far and I will be here watching your continued progress with interest and a hug or two. emoticon emoticon emoticon
    1639 days ago
    Great blog and very motivating!
    This is something I need to ponder as well...as I'm getting out of debt, shed the weight...I really love this idea the more I think about it!

    emoticon emoticon
    1639 days ago
    What a great post! I love the positive attitude and determination. I hope you will share your methods and discoveries along the way.
    1639 days ago
    1639 days ago
    What a great plan! Now that I feel stronger at being able to keep my healthy habits going for the most part, I'm working on practicing similar tactics to reduce my debt.
    For motivation, I like to read stories about people who have more challenges than I do but are doing it better than me. There are some pretty inspiring people on this site:)
    All the best to you!
    1639 days ago
    emoticon My motivation is I want to get off my cholesterol medication. For the expense and I heard it can cause diabetes in women.
    1639 days ago
    emoticon You have the drive and certainly the incentive to move forward toward your goals! I'm still looking for my "Mo"...

    On the money - when I use coupons, I take the money I saved and put it in a box, not to be opened until Thanksgiving. My first year, I had over $600 in the box. Great incentive to use coupons everywhere possible. I use retailmenot.com a lot!

    1639 days ago
    I am where you are. Looking for a way to do this better. I am in the thinking stage! Good luck to you!
    1639 days ago
    Way to go! You really have things into perspective.

    My kids are my motivation. I love playing outside with them and it is embarrassing to me that when they want to play tag, I can't do it. My weight gets in my way to be the mother that I want to be.

    Finding a system that works for you is a huge step in the right direction, sounds like you have done it. Good luck!
    1639 days ago
    money or presents! Lets face it; we all work for incentives! You wouldn't go to work if you didn't receive a pay check would you? my point! I give myself money to go extra shopping with! I give g kids money for good report cards, etc! I am so pleased you are tdoing so well pat! god for you GF!
    linda emoticon
    1639 days ago
    emoticon emoticon
    1639 days ago
    I haven't found my motivation yet, but I will! Congrats on finding yours!
    1639 days ago
  • NKING1982
    It sounds like you are doing great so far, just keep up the good work.
    1639 days ago
    My motivation to lo se weight is to keep moving forward all the time. If and when I falter during my journey, I do not look back, I just keep it moving. I remind myself why I want to live a healthy and long life. Failure is not an option. It might take longer to get there but I will.
    emoticon emoticon
    1639 days ago

    Comment edited on: 7/29/2013 9:35:38 AM
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