Paying down debt can feel like a never-ending task, but dealing with it is a habit like any other. You can use similar habits to the ones you use to work out to start dealing with your debt.
As personal finance blog Dream Beyond Debt points out, you often work out to lose weight, build muscle or maintain your health. Paying down debt has similar long-term goals with short-term habits. You can set aside a few dollars every day, practise balancing your budget, and turn your debt into another health project:
Paying off debt is like building muscle. It gets stronger the more you work it. Every dollar paid off is a little more I can lift. And the student loan no longer feels like the weight of the world.
The goals are different, but the principles are similar: break down your debt payments into something you can handle every day. Make it easy to set aside a few dollars whenever you have a few minutes. Build on your existing habits, such as making an extra credit card payment when you sit down to pay your bills. By treating it as something you do regularly, as opposed to when due dates come around, you can keep it in the forefront of your mind and build real financial health.