Most twelve-step programs define insanity as doing the same thing over and over again while expecting different results. Those credit cards that have barely budged during the last few years while you have been “getting out of debt" are a sure sign that your plan is not working. Since we just identified your problem, why do you keep doing the same things while expecting to be debt free? It will not work.
"We cannot solve our problems with the same thinking we used when we created them. " - Albert Einstein
How long will you persist and not make any progress? Is your spouse still on board with your plans, or have they completely forgotten about them? Are you going to keep wallowing around, or is today the day you have decided to ACT?
You must first of all ask yourself “What is my plan?" If you draw a blank after asking that question that's great; we have likely just found the reason you are stuck. Antoine de Saint-Exupery said long ago that "A goal without a plan is just a wish. " Your time is valuable. Treat it as such and plan for action.
Next you must ask yourself why your plan has not worked. Specifically, is there something missing, or have you simply failed to start. It is very easy to get hung up in any stage of a plan, but especially at the beginning. Many times you just need to begin and the rest will fall into place. Do not worry if you everything does not fit nicely into your plan. If you want it bad enough you will quickly overcome most any obstacle with hard work and determination.
Do you have someone in your cheering section; possibly a good friend or better yet, your spouse? Accountability is the hidden ingredient behind Weight Watchers and is the best way I know to get out of debt. Many of my clients come to me because they need accountability, regardless of whether or not they are married.
Take a look at why your plan is not working and then readjust for action!
Justin Lukasavige is a Life Coach, and owner of Lukas Coaching. You can view more free articles, download free books, and become a member of the Reader's Group at no cost by visiting http://www.lukascoaching.com