Did you know that a lot of people fail to complete their debt relief program because of discouragement? Getting out of a debt situation is very difficult and sometimes,people find it discouraging when they see that there is not much progress despite their best efforts. While the feeling is natural,you need to overcome this so that you can complete what you started with your debt. You can never get out of debt completely if you give in to the discouragement that you feel.
All it really takes is a bit of change in your perspective. Here are some of the things that you can do to reverse the feeling of discouragement so you are motivated to keep on going until you are truly debt free.
First of all,identify the reason for your discouragement. It can come from different sources. You can feel discouraged because your friends went on an expensive vacation that you cannot afford. Another reason is you missed a payment and have accumulated interest and penalty charges. Or it can be caused by the seemingly slow progress of your debt relief effort. Knowing the source of your discouragement will help you find the solution to be able to overcome it.
You should also stop concentrating on the amount that you still have to pay off. Instead,keep your eyes on what you have paid off already. Knowing that you have gone through so much will motivate you to pursue your goals. It also helps to keep your eye on the prize. Look forward to the day when you can finally say that you are debt free. Stop looking at what you have to accomplish to get there.
If your road towards debt freedom is still too far off,it helps to set milestones that will mark your progress. Make these milestones a special event as they mark small successes in your debt relief efforts. This is a great motivational factor that can effectively override any feeling of discouragement that you may have.
And if you can,stop comparing your new life with others. If you see your friends living the type of life that you now cannot afford because of debt payments,look away. It will not help your case. Knowing what you had to give up will really put you in a very discouraging place in your mind. Not all debt situation is the same. Some people getting out of debt may seem to have it easier but believe it or not,most of them had to give up something. Do not think that you are having the worse of it all.
You should also keep your expectations real. If you have to,recalculate your payments if you think you need to allot more for your basic needs. It is only difficult at first but as you pay off your debts,it will get better. As your debt payments get smaller,you can make bigger payments on the remainder of your debts or you can use a portion of that to fund some of your fun activities.
Allotting a bit of budget for your fun activities will also help keep your spirits up so you keep discouragement at bay. These tips are mostly geared to assist in motivating you. That is the best defense against any feeling that will stop you from completing your debt relief goals.
City and government officials in Des Plaines,IL recently took the first steps to building a new parking garage near furnished apartments in the city by voting unanimously earlier this month to hire a design firm to start designing the parking garage. The project,which could cost as much as $20.9 million,would double the size of the city’s police station in addition to building a brand new parking garage.
Des Plaines officials say the city’s current 91-space garage is damaged beyond repair,and that the city desperately needs something like the proposed 274-space garage that they are working to bring to the city. The first steps after the vote will be for Walker Consultants,a Hoffman Estates-based design firm,to design the garage itself. The city is paying the company $620,000 for their design,a project that when finished would cost about $9.3M by itself.
“The time has come to do something,” said 7th Ward Alderman Don Smith,who also works on the public works committee.
Des Plaines’ downtown police station near short term rentals “is entirely inadequate right now for the size of our community and the size of our police force,” he added.
Many in the city feel the current police station,which was built in 1971,is outdated and needs to be much nicer and bigger. While they don’t have an estimate for when the station will be completed,officials are eyeing 2021 to have the garage done by.
Police Chief Bill Kushner agrees with Don Smith about the state of the current police station,and has been a big advocate for a new station,saying the outdated facility is in need of an upgrade.
“We have showers that I would not wash my dog in,” Kushner quipped to a newspaper reporter earlier this year.