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Get Out of Debt and Achieve Goals One Step at a Time- Small Victories Win the War

When you want to get out of debt, it seems like a daunting task.  It’s easy to be intimidated by such a huge financial goal.  Once you realize what you’re up against, you’re ready to give up on getting out of debt before you even start!

So how do you overcome the overwhelming feeling of dread when you want to achieve your get out of debt goal, but you’re so intimidated you're afraid to get started?

My recommendation is that you take a deep breath, take a step back, and remember that it’s the small victories that win the war.

In this article I'll show you a quick way to start the get out of debt process by achieving small goals one at a time.  I'll also give you access to my free printable worksheets and another great resource at the end to get you started!


Get Out of Debt With Small Victories

Applying the "small victories" concept to paying off debt means tackling small goals first.  This means paying off your smallest debts first.

There are plenty of experts that recommend paying off the debt with the highest interest rate first.  That’s OK, you can do it that way and it will still work.

But research shows that tackling debt by paying off the smallest debt first actually works better.


Because achieving small victories is psychologically good for you.  They motivate you to continue on when the going gets tough.

These little incremental wins allow you to feel good about your progress.  They will motivate you to keep going in a way that other methods of paying off debt just don’t do.

How do you start achieving these small victories over debt so you can ultimately win the war?

You make a get out of debt plan.



The Debt Rocket Plan

The best plan to get out of debt I know of is the Debt Rocket plan.  Some people call it a “Debt Snowball” or any number of other names.  I call it a “Debt Rocket” because it starts slowly, but quickly launches you into the blue sky of debt freedom!

Here’s how it works:

  • Make a list all of your debts from smallest to largest
  • Continue paying the minimum payment on each debt as usual
  • When you have extra money, put it toward your smallest debt to get it paid off faster.

This allows you to get that smallest debt paid off very quickly.  You'll achieve a small win that pumps up your motivation to continue the process.



  • Once you pay off your smallest debt, use the money you were sending toward the smallest debt, and add that to the payment for the next smallest, along with any extra you may have.
  • This allows you to get the next smallest debt paid off much quicker, because you’re sending in much more than just the minimum payment.
  • Keep doing the same thing, working your way down the list as you get each debt paid until you become debt free!


Getting Out of Debt is Not Rocket Science

Even though I call it the “Debt Rocket”, it’s not rocket science.  It’s a very simple, but extremely powerful concept.  When you make the effort to put together a Debt Rocket plan and stick to it, each small victory eventually adds up to life changing debt freedom, guaranteed!

You can find printable Debt Rocket forms with instructions here to get your plan rolling.


It Doesn’t Just Work For Getting Out of Debt!

The cool thing about starting small and attacking goals step by step is that it works not only for getting yourself out of debt, but for any large goal you might be working toward.

Such as:

  • Or anything else that requires a large change in your life.


Beat Overwhelm by Taking Action

When I started this blog in 2011, I felt overwhelmed by it.  I saw all of the established blogs and wondered how in the world would I get to the place where I had the content, the readers, and the products that they did.

But eventually I realized that none of it would happen if I didn’t finally buy a domain name, sign up for hosting, and publish that first post.  Since then I’ve taken a small step or two every day, and now I’m well into the journey.  Celebrating Financial Freedom has grown to great heights that I didn't believe were achievable in the beginning!


Small Beginnings Lead to Big Things

Whenever you have a large goal that seems too daunting, list out the first few baby steps you need to get started toward your goal.

Start doing them, one at a time. You'll feel those small wins lighting up your brain, motivating you to keep going.

Continue adding to your list as you progress.  Eventually you’ll reach that goal that looked so daunting in the beginning!

Remember, Apple started in Steve Job’s parents garage.

Dell Computers started in a Texas dorm room.

Richard Branson got his start breeding and selling Budgies.

One step at a time is all it takes to make your goals and dreams come true!


Question:  Do you have a big goal you want to start working toward this year?  Leave a comment and let me know about it.

Recommended Reading:  “Start: Punch Fear in the Face, Escape Average, and Do Work That Ma... by Jon Acuff



How Do You Get Out of Debt? (Part 4)- The Debt Rocket

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