Pay Off Your Debt for Good Quotes

“In his book Digital Minimalism, Cal Newport outlines a philosophy for using technology as much as we need but not as much as we want. Digital minimalism isn’t about giving up your smartphone or deleting Facebook. It’s about focusing and optimizing your online time to serve you best.”
― Jen Smith, Pay Off Your Debt for Good: 21 Days to Change Your Relationship With Money & Improve Your Spending Habits So You Can Get Out of Debt Fast

“Having less stuff also cuts down on your desire to purchase more. It seems counterintuitive, but clutter actually tells your brain you always need “one more thing” to pull the room together. On the other hand, a minimalist lifestyle trains you to think, “what can I take away so I’m only left with things I absolutely love?”
― Jen Smith, Pay Off Your Debt for Good: 21 Days to Change Your Relationship With Money & Improve Your Spending Habits So You Can Get Out of Debt Fast

“Driving for a rideshare company is the perfect example of short-term income. You can sign up and start driving quickly and in some markets get paid the same day you drive. You can work as often as you want, whenever you want and make a decent wage doing it.”
― Jen Smith, Pay Off Your Debt for Good: 21 Days to Change Your Relationship With Money & Improve Your Spending Habits So You Can Get Out of Debt Fast

“Find someone with discipline. Look for characteristics of discipline in your friends. They wake up early, can maintain a workout routine or regimen, they’re a self-starter, etc. No one’s perfect but if you see a few of these signs you’ve probably found a disciplined person.”
― Jen Smith, Pay Off Your Debt for Good: 21 Days to Change Your Relationship With Money & Improve Your Spending Habits So You Can Get Out of Debt Fast

“Instead of looking at a schedule as blocks of time to fill, behavioral scientist Sendhil Mullainathan suggests we look at our schedule like artwork on a wall. Start with the largest pieces, the tasks that require the majority of your mental or physical energy for the day, and then arrange smaller, easier tasks around them. Then fill the rest of the spaces with moderately taxing responsibilities.”
― Jen Smith, Pay Off Your Debt for Good: 21 Days to Change Your Relationship With Money & Improve Your Spending Habits So You Can Get Out of Debt Fast

“The first distinction is that millionaires think long-term while the middle class thinks short-term. Shifting this mindset is the starting point for achieving success.”
― Jen Smith, Pay Off Your Debt for Good: 21 Days to Change Your Relationship With Money & Improve Your Spending Habits So You Can Get Out of Debt Fast

“There’s a book I love titled The Top 10 Distinctions Between Millionaires and the Middle Class, by Keith Cameron Smith.”
― Jen Smith, Pay Off Your Debt for Good: 21 Days to Change Your Relationship With Money & Improve Your Spending Habits So You Can Get Out of Debt Fast

“Paying off your debt changes the way you make, save, and spend money. It sets the foundation for a life where you can pay for vacations in cash, put the 20% down payment on your house, and max out your tax-advantaged retirement accounts. It also sets the foundation to care about what that last one means.”
― Jen Smith, Pay Off Your Debt for Good: 21 Days to Change Your Relationship With Money & Improve Your Spending Habits So You Can Get Out of Debt Fast

“Fake it ’til you make it. Everyone who’s ever done anything big has had to pretend they’re doing well when they’re not. There will be times you’ll have to drag yourself out of the house to deliver pizzas or begrudgingly eat the food in your fridge. But rest assured, if you can push through these moments and keep following through, you will find your motivation again.”
― Jen Smith, Pay Off Your Debt for Good: 21 Days to Change Your Relationship With Money & Improve Your Spending Habits So You Can Get Out of Debt Fast

“have single people tell me that the personal finance advice they hear can’t apply to them because of their singleness. That they still have to pay the full amount of things couples split like rent, utilities, Netflix, etc.”
― Jen Smith, Pay Off Your Debt for Good: 21 Days to Change Your Relationship With Money & Improve Your Spending Habits So You Can Get Out of Debt Fast

“there’s no shame in seeking help through medication, CBD oil, or other recommendations from your doctor.”
― Jen Smith, Pay Off Your Debt for Good: 21 Days to Change Your Relationship With Money & Improve Your Spending Habits So You Can Get Out of Debt Fast

“And don’t let feelings of guilt persuade you into feeling sorry for yourself. You are exactly where you were”
― Jen Smith, Pay Off Your Debt for Good: 21 Days to Change Your Relationship With Money & Improve Your Spending Habits So You Can Get Out of Debt Fast