A Radical Way To Stay Motivated On Your PF Journey


Learn one radical way to stay motivated on your personal finance journey. So you want to win with money.

You know what to do and how to do it yet you can’t seem to gain enough momentum to see any real results.

Or you’ve experienced some success but it’s always fleeting.

You feel like you are fighting an uphill battle.

You have a budget and you stick to it for the most part. But still, it is taking you FOREVER to get where you want to go.

You are tired.

You have given up or you feel like you are on the brink of throwing in the towel.

Before you quit on your goals, I want to offer you one radical solution to end your demoralization.

At first the solution will seem too easy so you might be tempted to think it is not going to work but, I implore you to give it a try. If you do you will thank me. I promise.

What you have to do is Reward Yourself along the way.

You see, when you are hard core about meeting your personal finance goals (like I know you are) you can become almost cruel to yourself.

You may even feel guilty about the financial mess you have created and therefore feel like you don’t deserve any rewards.

It is normal to feel this way but if you really want to win with money you must be forgiving and kind to yourself so that you remain at your very best…mentally speaking.

While it is healthy to paint a realistic picture of your finances and hold yourself accountable for its’ improvement, it is unhealthy and counterproductive to deprive yourself of any pleasure at all, especially for extremely long stretches.

When we feel good about ourselves, we perform better, we think more creatively and we are more open to receive the resources needed to meet our goals even faster!

When we deprive ourselves we send this subconscious message to our minds that we are not worthy and we deserve punishment thereby making ourselves closed to the goodness that is waiting to flow into our lives.

I know that you are ready to implement this radical solution.

I know that you are ready to learn how to reward yourself.

You are not some immature, irresponsible follower of the YOLO tribe.

You want to win with money.

You want to change your family tree.

You have to change your mindset.

Here is how to do it:

  1. Write a list of your personal finance goals on a sheet of paper (see mines here).
  1. Develop 2-3 deliverables for each goal that will guarantee you a reward (i.e. I will get a reward when I reach 50% of my savings goal, or I will reward myself for every $1,000 I pay off on my credit cards).
  1. Specify what your rewards will be (i.e. I take myself to dinner at my favorite restaurant when I reach 50% of my savings goal).
  1. Create a progress chart that you can tape on your mirror or in your day planner as a visual reminder of where you are and how far you need to go to get to your next reward.
  1. Enjoy your guilt-free reward…you’ve earned it!
  1. Get back to working hard to meet your next benchmark.


If you really want to win with money, you must take care of your #1 asset…YOU.

Rewarding yourself is one strategy you can use to help you stay motivated on your personal finance journey.

The more you reward yourself for real, hard earned progress the better you will feel about yourself. The better you feel the more energy you will have to continue to crush your goals.

What other strategies have you used to motivate yourself on your personal finance journey?

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