How To Stay Motivated To Pay Off Debt 💸 | 7 tips to change your money mindset & habits

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Here is how to stay motivated while you're paying off debt. The debt free journey can be long and hard, so it's important to remind yourself of why you're doing it, and to find ways to stay motivated to keep going. These are 7 tips that helped me stay the course to get out of $120,000 student loan debt in 6 years, with the final $75,000 paid off in the last 2.5 years. You can do it!
#debtfree #debtfreejourney #getoutofdebt
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Books That Helped Me Get Out Of Debt & Learn About Money 💰
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Books That Changed My Mindset ✨
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Essentialism, Greg McKeown
Can't Hurt Me, David Goggins
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ABOUT ME:🌿
I'm Christina, friendly neighbourhood human on the internet slash pharmacist. You may have previously known me as Style Apotheca. I'm living in Toronto, Canada and on my channel you'll find me on my journey towards minimalism, being content with less, recovery from a shopping addiction, and my journey towards financial freedom from over $120,000 in student loan debt. Thank you SO much for watching and taking the time out of your day to support my channel. A little thumb always helps support me!

Пікірлер: 74

@Christinamychas 2 жыл бұрын

Thank you to Aura for supporting me on my journey of wellbeing & sleep! Get started with Aura today for free & the first 500 people to use my link will also get 25% off the Aura membership: www.aurahealth.io/ChrisMychas21 What are some of your tips to stay motivated while paying off debt?

@emilymunn558 2 жыл бұрын

Instead of complaining about sponsored posts, can we instead normalize women getting paid for the wonderful work they do? Another awesome video Christina!!! Your content is getting better and better!

@Christinamychas 2 жыл бұрын

Thank you so much Emily!

@Lifeasmrssmith 2 жыл бұрын

Yes! 👏🏽

@2012student 2 жыл бұрын

Well said!

@heatherp7836 2 жыл бұрын

Well said!

@prachipal5889 2 жыл бұрын

Well said 👏

@xcessa 2 жыл бұрын

I think after watching your videos for more than a year I’m finally starting to get it… I also recently unfollowed lots of people who I love watching but weren’t good for me. People who do new clothes hauls and makeup hauls every month instead of wearing what they already have really have a negative impact on me and my habits. I’d love to see some new videos like “7 outfits in 7 days” or ways you’re styling and dressing without buying new things. Thanks for being a good influence :)

@sheilakosoff5806 2 жыл бұрын

I did the same as well. I switched to style videos and avoid all haul videos. I found the small wardrobe and create authentic style videos helpful. Approximately right is also another good one. One of the things that explained my overspending was a dissatisfaction with what I was wearing. I was always shopping without accepting who I really am. Style videos help a lot as long as you ignore the “what every woman needs” trap. It’s so hard to be authentic with all the influencers. Good luck on your journey.

@marylaidig5755 2 жыл бұрын

I want you to know that you have motivated me to become debt free, Christina. I began watching your channel to see fashion ideas, then continued to watch as your focus completely changed. Over time, I realized that I had many of the same spending triggers and negative consequences as you were experiencing. I’m not there yet, but I’m getting.closer to the end goal. Thanks for your honesty and realism on your channel.

@AmandaWeldon 2 жыл бұрын

JUST SO FREAKIN PROUD OF YOU! And not just because you have paid off this MOUNTAIN but for inspiring so many people far and wide to take control of their own lives. You're an inspiration and I'm so proud to call you a friend. All the love xo

@Christinamychas 2 жыл бұрын

😭😭😭 I just love you, Amanda!

@feylights166 2 жыл бұрын

I have thankfully never been in debt, but so many people are, and I think these are good tips not just for debt repayment, but general finance, and life.

@Christinamychas 2 жыл бұрын

Well done!

@AhmetKaan 2 жыл бұрын

You'll watch an entire Netflix show even when the first episodes are slow and boring just because someone told you "it gets better." *But what if you looked at your goals like that and watched your life get better instead?*

@ashaelfifa 2 жыл бұрын

Hello Christina, i've seen your video since your "how to stop shopping" and I've been in Minimalism journey since then. seeing you going through your journey it feels like having friend that keep me stay in my minimalism journey 🖤

@Christinamychas 2 жыл бұрын

🥰🥰🥰 you got this

@simplylovedandused 2 жыл бұрын

Later down the line can you make a video on what life and goals look like for you post debt repayment? I know life trying to repay debt can be intense so I wonder what comes after for different people.

@y0ghurttt 2 жыл бұрын

I would be interested in that too!

@Christinamychas 2 жыл бұрын

Coming soon!

@fouziyata8258 2 жыл бұрын

Always shop your mortgage ".. That's my motto stil i become debt free

@nancywearspants5391 2 жыл бұрын

I've been doing well on my own journey battling over spending. But, I work at a small, independent boutique. And when it's slow, I get antsy. And when I get antsy, it's easy for me to get spendy. I really needed to hear this message today! Thank you for boosting my resolve!

@Christinamychas 2 жыл бұрын

I feel you!

@deborahedelman2659 2 жыл бұрын

Love love ur content!!

@ifetayodavidson-cade5613 2 жыл бұрын

Considering that your industry pays well, it may be easy to underestimate the role of a higher salary. There are high earners with debt because they are also high spenders. However, in my country, the USA, many are struggling with debt due to low incomes.

@Christinamychas 2 жыл бұрын

Very true!

@eventlifeaustralia 2 жыл бұрын

Love your videos they have really helped me on my journey to stop spending and removing unused items in my home x

@74griffo 2 жыл бұрын

Excellent video. Really resonated with me. Thank you!

@NoirInColor 2 жыл бұрын

Watching videos like yours and other similar channels has helped keep me encouraged and motivated during my journey.

@Christinamychas 2 жыл бұрын

You got this!

@BeeBaldwin 2 жыл бұрын

Being patient…I struggle with that a LOT!

@oldaccount.1486 2 жыл бұрын

Wow!!! Congratulations. So happy for you. You really are inspiring and on your way to wealth. I’m so so so happy for what’s to come.

@cjack-caldeira3363 2 жыл бұрын

Finding my ‘why’ or pausing to think about what I’m feeling before shopping has been helpful this past month. At the beginning of my journey but taking baby steps helps for sure. Thanks!!!

@budgetrebelgoals 2 жыл бұрын

Congrats! Great tips

@Christinamychas 2 жыл бұрын

Thank you!!!

@sablisland 2 жыл бұрын

This video is great as I’m finalizing a mortgage this week! After paying off my student loans I was so happy, and now I’m heading right back in! It will all be worth it in the end but I’m definitely going to feel the sting as we try to make maximum payments to pay it off.

@Clybeluft 2 жыл бұрын

You’re an amazing human! I love this community and everything you stand for! Thanks my hero 🦸‍♀️! Or role model, same thing! Would love weekly outfits or inspiration shop your own closet! Love your style too!

@erineccentric5810 2 жыл бұрын

This is great advice and congrats again on becoming debt free!! I'm still struggling with not shopping when I am bored/emotional. I've become much much better than I was in the past but I am still going. I'm also trying to become debt free hopefully in the next 2 years. Looking at my budget and shopping habits really helps me stop buying things. When I see how much longer it will take to pay off my debt when I make a purchase it keeps be from spending money on things I don't really need. it helps to think of purchases as additional months of debt repayment vs just buying it then and there.

@tarahserrato4483 2 жыл бұрын

You inspire and motivate me! 💛💛

@Christinamychas 2 жыл бұрын

😭 thank you Tarah!

@UlrikaMalmgren 2 жыл бұрын

You have so many great insights that are really helpful. You should definitely put them together in a book. Sure, there are financial gurus out there, but the patterns that you are identifying in your approach to finances (both positive and negative) are unique and resonate so well with me. I can't stress enough how impactful they are. And I think that you could help many others. I also think that for some women it could be less intimidating and more relatable to read a book on personal finance from a woman.

@apg7639 2 жыл бұрын

I'm really enjoying the content lately

@courtneyfalconer9526 Жыл бұрын

Love this content and the takeaways! I’m not only already doing all of these 7 things on a personal level, but I’ve found inspiration in this video for my business too! Thanks Christina, you’re smashing it! Congratulations!

@TheEmzies 2 жыл бұрын

Thanks for motivating me to keep going. I have slipped in my debt repayment this year but am planning to only have less than $5000 by the end of the year.

@AnneBeamish 2 жыл бұрын

You are motivating me to change the way I deal with money and debt. Thank you.

@Christinamychas 2 жыл бұрын

Yes! Rooting for you!

@kevinhanley6462 2 жыл бұрын

Well done on clearing your debts: that shows discipline!

@myrnaj4502 2 жыл бұрын

Congratulations on being debt free.🎉🎉🎉📝👍🏾

@Christinamychas 2 жыл бұрын

Thank you so much!

@mickeystrings92 4 ай бұрын

Amazing stuff, needed to see this today ! Only 4 months away from paying off £55k, patience has been the biggest struggle 🙏🏼

@thitime3430 2 жыл бұрын

I saw the book cover of Dave Ramsey and that's awesome. I think his method is the BEST by far. I followed his plan for a while and loved it so much I bought a copy for everyone in my family. I wish school taught us finance so we'd make better financial decisions!

@acminkus 11 ай бұрын

Currently working on “my why”… Oh, and by the way, happy belated debt-free! (Still working backwards and loving every video…)

@amanda.strutt Жыл бұрын

Good gawd I'm so glad I found you!!

@stylistcamilla 2 жыл бұрын

Great video🥰

@tinakluge896 2 жыл бұрын

Your content really helped me to get motivated & to be more active & responsible with my money. I am really curious to see what your next steps & goals are. I am at the point where i am not sure what to do with my saved income. Maybe you could share some Tipps or ideas. Wish you a good day. Greetings from Germany 🇩🇪

@fouziyata8258 2 жыл бұрын

I'm also on a bebt free journey.. I think it would take at least 5 yrs to achieve it.. I keep on motivating myself N pay weekly payments which helps me a lot.. Coz earlier I used to pay monthly which may lead to some other accidental purchases or spending..

@tataandre8907 2 жыл бұрын

Christina, thank you for this video. I wonder how many times you slipped from the right way to the financial freedom/ I've been subscribed for a while for your vlog and there are times I keep going - but today I slipped - bought accessories for $100+ however I definitely could live without (I bought them with my credit card) I feel disgusted by myself *((((

@joannakhoo3155 2 жыл бұрын

Hi Christina, I’ve been viewing your KZfaq videos. Thank you for inspiring me to get started on my own minimalism journey. I can relate so much to what you say. I’m hoping you could help me with a question on balancing speed of decluttering vs trying not to be even more wasteful. I’m not sure if you might have addressed this in one of your videos as I’m still going through them one by one (not in any order). Whenever I try to declutter, I’m filled with guilt at the thought of disposing of things I spent good money on. It seems like such a waste to donate/bin perfectly good items. I try to sell items which I think can sell but it takes too long. It also means the clutter is all still in the house and stressing me out. What are your thoughts on this? Thank you! 🙏🏻

@rowan7727 2 жыл бұрын

Hi Christina, thanks for continuing to make this content. Your journey is inspiring me to keep going. Since you seem to be a follower of Dave Ramsey, I was wondering if you would mind sharing if you used his guidance on keeping your savings to only $1000, or thereabouts, or if you felt more comfortable saving while also paying off debt? No problem if you'd prefer not to answer.

@Christinamychas 2 жыл бұрын

I did leave it at $1K - I was ok with this because I was still working fulltime and had a fairly secure and steady income. For many the $1k makes them nervous, so I think it’s really based on your situation and comfort levels!

@origblkwoman 2 жыл бұрын

Also, what part of the month do you create your budget? For example, we're going into November. Do you create your budget for November in the middle of October?

@Christinamychas 2 жыл бұрын

I make my budget before the month begins, but I’m back in my budget everyday as I spend 🥰

@origblkwoman 2 жыл бұрын

Hello, you may already have a video like this but are you able to create a video that breaks down the first 5 steps to getting out of debt? Please😊

@Christinamychas 2 жыл бұрын

Can do!

@29BKing 2 жыл бұрын

A few months back, my bank changed my checking account terms, so that I need to leave $5000 in there at all times in order to avoid fees. This has been stressful to navigate. Do you have any advice about avoiding fees while still having access to your money?

@cristinap5479 2 жыл бұрын

There are online banks that do not charge fees. I use simplii in Canada

@astarisborn9820 2 жыл бұрын

Consider a credit union!!!

@aprilblossoms4 2 жыл бұрын

Shop around for a new bank! There must be some that don’t need that minimum amount to be that high!