Have you ever eaten a meal that was much, much bigger than your mouth? Of course you have. We all have. Because pizza.
Imagine looking at that enormous pizza pie and thinking, “Well, that’s never going to happen. That will take me like 150 bites. Why even bother?”
But you would never do that. Because that is ridiculous.
Just because you only take one bite at a time doesn’t mean you won’t finish and it certainly doesn’t mean that you shouldn’t bother to start at all!
And you don’t take bigger bites for bigger meals, either. Like, “Oh, this is a giant falafel, I’ll have to take giant bites.” No, you take one bit a time, bites as big or as small as your own mouth dictates.
(Wow, falafel, this is going off the rails. Bringing it back to debt right about now!)
No Debt Is Too Big
You can’t look at your debt and just declare it too big to tackle. (Well, you could, but how is that working out for you?) So, just like you take one bite at a time. Regardless of the size of your debt, it gets paid down one dollar at a time. If you can only take small bites, take small bites. But keep eating. This is progress.
Progress Starts Small
Too many people live with debt because it feels too big to tackle. But every month that you don’t start is another month where your debt gets bigger. Interest charges are a little thing, and you know how quickly those add up! Paying down your debt can happen in the same way. Little by little.
The longer you carry your debt around, the more it becomes a part of your life, and almost starts to seem normal. This should be very alarming.
Start small. But start. Take one small bite. You don’t have to win a competitive eating contest. We aren’t suggesting you dip hot dogs in water. Just take one bite.
But It Starts
How to start? Make a debt plan. Which sounds fancy—but it couldn’t be simpler. Decide what debt you will tackle first. We recommend the smallest one. Why? Because the faster you pay off one debt, the faster you free up cash in your budget and your life.
Budgeting becomes even more rewarding when you can actually make decisions about all your money, not just the dollars that aren’t taken up by debt.
And It Keeps Going
You didn’t get into debt overnight and you won’t get out of debt overnight. But you have a plan, and you are taking steps in the right direction.
One bite at a time.