What got me out of debt was negotiating a monthly payment that was attainable for me. I found myself a job that paid enough, which still was an average salary. I automated all the payments and stuck to my budget. I didn’t have much money left to ‘live’, so shopping and vacations were out of the question for a quite some time. But The little bit of money I did manage to set aside went completely to ‘having fun’. Even though I was in debt, I enjoyed life. The automated payments helped me to no longer have to focus on or even think about my debt. I almost completely forgot about it. It was actually a very nice experience to not have any money. It showed me who my real friends were, it made me realize that you don’t need things to be happy.
Where you put your focus also makes a lot of difference. IF you choose to be unhappy because of your debt, you are allowing it to define the quality of your life. I focused on the abundance of positive things in my life. I went back to school for about a year and started my own business after that. All while I was still paying of my debt. I could have let it get me down, but instead I chose to make it a wonderful journey.