3099: Paying Off Debt And Budgeting: Tricks For Staying Motivated by Michelle Schroeder-Gardner

Optimal Finance Daily - Financial Independence and Money Advice

Optimal Living Daily LLC

Investing, Business, Education, Self-improvement

4.4 • 1.3K Ratings

🗓️ 6 April 2025

⏱️ 9 minutes

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Summary

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3099: Michelle Schroeder-Gardner offers practical, empowering tips to help you stay motivated while tackling debt and sticking to a budget. By visualizing goals, celebrating small wins, and fostering a mindset of appreciation over consumption, you'll build lasting habits that lead to financial freedom and a more intentional life. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/09/how-to-stick-to-a-budget-financial-motivation.html Quotes to ponder: "Finding financial motivators will help you continue to work hard towards your goal, even when it seems impossible." "Making your goal visual is a great way to find motivation." "You can still enjoy life, do many of the same things you usually do, and so on." Episode references: Personal Capital: https://www.personalcapital.com Mint: https://mint.intuit.com A Cultivated Nest: https://acultivatednest.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Hello Blue Skies.
0:04.0	Hello moving onwards and upwards.
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0:16.1	Hargreaves Lansdown. Hello Life.
0:19.4	Invest, save, retire. To verify claim, see hl.co.com.uk
0:26.3	forward slash platform. You may get back less than you invest. This is Optimal Finance Daily.
0:33.5	Paying off debt and budgeting. Tricks for stayinging Motivated by Michelle Schroeder Gardner of
0:39.4	Making Sense of Sense.com. While I no longer have debt after paying off my student loans, I'm always
0:46.8	striving to save more money, to save for retirement, to find financial motivation, and more.
0:53.8	Even with how much I love saving money,
0:56.4	every now and then, it can be easy to get unmotivated
0:59.3	and want to spend all the money.
1:02.1	I'm sure I'm not alone either.
1:04.2	While many do choose to live a frugal life,
1:06.9	it's not always easy.
1:08.7	Some have large amounts of debt to pay off. Others find it hard to understand how to stick to a budget and more.
1:15.6	Finding financial motivators will help you continue to work hard towards your goal, even when it seems
1:21.3	impossible. Without motivation, one might give up on a financial goal quite easily. This is why it's so important to learn how to
1:29.7	stay motivated. Whatever your financial goal may be, there are many ways to stay motivated so that you can
1:35.9	reach it. Here are my tips on how to stick to a budget and find financial motivation.
1:42.8	Number one, make your financial goal visual.
	...

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