Debtfree Magazine November 2018

These are not short term, impulsive matters but require many years of
energy through thick and thin to truly succeed.
It is important to realize that debt review also requires commitment to
be successful. Those who start the process must be prepared to see it
through despite obstacles and even their own past bad financial habits
and impulses.
Those who start the process only to drop out after a short time actually
often make their financial situation even more complicated than before
and so a lack of commitment can really hurt those who lack staying power.
Many who enter the debt review process find that there are certain
challenges that they need to overcome to be successful. Debt Counsellors
will be quick to tell you that their clients struggle to stick to the process at
certain times of the year, like December or Easter.
Consumers also have to force themselves to avoid old bad habits and
mistakes. The urge to splurge, to treat yourself and to dress and eat at
places that impress others can be hard to overcome.
Hanging out with friends or family members who overspend can also be
a trap for some. They may find it hard to stick to a new budget when the
people they choose to spend time with are not wise with their spending.