You're on an exciting, important, and sometimes challenging journey to get rid of your debt. You know the goal is worth it --just imagine

how good you will feel when you finally get that debt off of your back and chuck it right out of your life.

Confidence Puts You on the Right Path to Success. You have many tools to help you make progress and stay on track as you continue to shrink your debt. The most important tool, though, is one that you carry with you everywhere you go. That tool is your mind. The way you think and feel makes all the difference. Confidence is key. If you believe you can reach your goal, then you will keep on trying, no matter what challenges may come your way. That's how you succeed. You can do it! Keep on reminding yourself of this simple, yet powerful, fact. Be your own best cheerleader. Feeling confident is not just something you feel inside. Confidence actually changes things outside of yourself. When you are confident, you work harder and smarter. You persist instead of giving up. Stay confident that you can get rid of your debt -- and you will!

Your Past Doesn't Define Your Future. Almost everything worth doing takes effort. Since no human being is perfect, you are bound to make mistakes. The fastest way to lose confidence is to beat yourself up for unwise things you may have done in the past. You don't need to do that! You can train your brain to stop getting caught up in regrets about the past. Here are some tricks to add to your brain's tool box --

Re-frame the way you think about mistakes. Instead of berating yourself, look at mistakes as learning opportunities. In fact, our mistakes can be our best teachers. What can you learn from past mistakes that will make your life better? Can you maybe even use what you have learned to help other people?

Focus on the present moment. Life is just as series of present moments, each one sliding into the next. Every moment is new, and every moment is full of possibilities. The choices we make in each moment plant the seeds for the future that is yet to come.

Give yourself the acknowledgement you deserve for all the work you have done so far in eliminating your debt. You have been courageous in facing your problem, and you've been wise in making good decisions about how to deal with it. You have taken action which has put you right on the path to success. You have changed your life for the better!

You are not alone. There are many in similar circumstances. You don't need to single yourself out for criticism. And now that you are working so hard to get debt-free, you have people who want you to succeed and who are proud of you for working so hard to improve your life. We are your partner in this journey! Even if you have low moments when you feel discouraged, deep down you know you can do it! Just remind yourself of what you already know.