Pay Day ep. 13 – hustlin’ and strugglin’

Here’s what I know about me: no matter what the distance I’m running, the final 3 km are the worst. It’s true for a 10km run, and a 42.2 km run. Because I know this about myself, I’ve worked on strategies to overcome the negative thinking that tends to rear it’s ugly head at this point in a run.

I tell myself ‘just go 100 steps with your left foot, and then you can rest’, and then of course at 100 steps I tell myself ‘well you did that, try 100 with your right foot, then walk’.

I negotiate running 10 telephone poles, then walking 1.

I myself offer treats (fuel!) at the next km mark.

Inevitably, I get to the end. My mental game has become stronger over the years, and the more I talk to other runners the more I realize that a) I’m not the only one who feels this way and b) they have strategies I can use too.

When I hit ‘transfer’ on last weeks payment, I was overjoyed to see the LOC balance under $3k. And then I realized, it’s the dreaded ‘3k’.

So here’s where I need to engage some jedi-mind tricks to get myself to the end of this particular debt. Because right behind it is another one I have to tackle, so stopping now isn’t an option.

So I’m asking you – what’s your strategy to stay motivated when you’re so close to the goal, but it feels so far away?

So far I’ve come up with:

  1. Focus on the fact that it’s just 2(ish) paycheques to go until it’s done
  2. Get a side hustle – shopping for an audi just got me $80!
  3. ….yep, it’s a little on strategies right now. So…help?

Just like long distance running, it’s a work in progress.

Before I go, the numbers:

Total applied to LOC:        $2350

Current LOC Balance:       $2929.90 -UNDER $3K TO GO! But, oh! 3k, so I’m not done yet?

Progress on LOC to date:  $11,678 – holy cow that’s a lot of money, if only I had spent it wisely 😉

Car Loan:                               $15,662.64 -This morning’s thought: I should transfer the loan balance to my LOC so that I can pay this off faster and more easily through direct account transfers each pay day. Thoughts?