Step 4 to elimiante debt

Step 4: Make a list of benefits to you personally and to close friends and family

A goal is a lot easier to achieve, and a habit to change, if you know all the benefits for doing it. The benefits need to be specific, they can’t just be ‘it will improve my life’. You need to work at what all the specific benefits are and list them. For example, I will have more time with family, I will have more money to invest in shares rather than paying debts and the like.

For Step 4, make a list of all of the benefits you can think of for you and your family. Once these benefits are on paper, put it in a place that you will see everyday. Some people I know chose to make a small photocopy of the list and put it in their wallets to remind them of their goal.

Remember you must think of the benefits to you first. It is human nature to go along with other people’s ideas and goals, but to truly achieve your own goals they must be relevant to you.