Sometimes all it takes is one little push to make you want to do something. You were probably bribed with incentives as a child, but guess what it works now too! Giving yourself incentives is sometimes all you need to motivate yourself to get out of debt.

Goals

Setting goals and then rewarding yourself can be a great incentive to get out of debt. If you get a manicure/pedicure every week, continue to do that as long as you pay for them in cash. This can be a great way to reduce your credit card bills and continue to get what you want. Maybe every time you close out a credit card you can buy yourself a new outfit. Or set a long term goal, a great vacation when all your credit cards are finally paid off.

Spend more in Cash

When you are debt free, you can actually spend more money. Think about it; if you buy a new TV for $300 dollars in cash, you just paid $300 dollars for it. If you put it on a credit card and dont pay it off right away, you owe interest on that card until you pay it off. So you are paying interest on everything you buy on credit. If you go out and eat at a fancy restaurant, and drink all night long, and you put it on your credit card, you are going to be paying for at least a few months. If you pay in cash, you are done with it.

Less Worry

When you pay for things in cash and have no debt, you have much less worry. You arent constantly feeling guilty about what you just bought, or if you are going to be able to make the minimum payments on all your maxed out cards this month. It is much easier to just use cash and not worry.