Step 3 to eliminate debt

Step 3 Write down how you will overcome these obstacles.

The key to successfully overcoming obstacles is to see them coming before they happen. A good analogy is the film ‘dodgeball’ – you either look at the balls and try and get out of the way ‘dodge’ or use a ball (in this case your written list of potential obstacles) and deflect them away.

For step 3, you are required to have a list of all potential obstacles (undertaken in step 2) and write how you will overcome them. It may be having an emergency fund, or alternative plans of how you will get to work if your car breaks down. The ways to overcome these obstacles will be very specific to you and your family and your current circumstances – so whatever you do, don’t ask other for advice, everyone seems an expert on your life:). It is you who can best decide what will work effectively for you.

For step 3: Write down how you will overcome all of the obstacles that you can think of for achieving your goals.