10 ways to stay motivated as you pay off your debt according to PaydayChampion’s Mirek Saunders


When you’re trying to pay off your debt, it can be difficult to stay motivated. Especially if you’ve been struggling with it for a while. But don’t worry, because you’re not alone. Thousands of people are in the same situation as you, and many of them have found ways to stay motivated and continue on their journey to becoming debt-free. 

In this blog post, Mirek Saunders from PaydayChampion, an established online loan referral service, shares 10 tips and tricks from experienced payday loan debtors who have managed to successfully pay off their debts. These pieces of advice are for those who are looking forward to achieving financial freedom.

wads of dollar bills (©Celyn Kang)
wads of dollar bills (©Celyn Kang)
  1. Make a plan.

Know what you need to do and when you need to do it by. This will help keep you accountable and on track.

2. Start small.

It can be overwhelming to think about paying off all of your debt at once. So start with one loan or one credit card balance and work your way up from there.

3. Set goals.

Both short-term and long-term ones. Having something to strive for will help you stay motivated even on the days when it feels like you’re not making any progress.

4. Find a support system.

Whether it’s friends, family, or an online community of people in the same situation as you, having someone to talk to and lean on can make all the difference.

5. Talk about your debt-free journey.

Sharing your experience and achievements with other people will help you stay on track and keep you motivated. It can also be a great way to inspire others who are working towards becoming debt-free themselves.


6. Reward yourself.

Every time you achieved a goal, give yourself a good pat on the back (and maybe even a small treat!). This will help reinforce positive behavior and remind you that becoming debt-free is worth all the effort.

7. Keep a debt-free journal.

Document your journey so you can look back on it later and see just how far you’ve come. This can be a great source of motivation when you’re feeling down about your progress.

8. Get inspired by others’ stories.

There are plenty of people out there who have been in your shoes and come out the other side debt-free. Reading or listening to their stories can give you the hope and motivation you need to keep going.

9. Visualize your goal.

Close your eyes and imagine what life will be like once you’re finally debt-free. What will you do with all that extra money? How will it feel to not have the weight of debt hanging over your head?

10. Remember why you’re doing this.

It’s easy to lose sight of your goals when things get tough. But if you can remember why becoming debt-free is important to you, it will be that much easier to keep going.


If you’re struggling with payday loan debt, know that you’re not alone. Millions of Americans are in the same boat, and many of them have found success in paying off their debts. Use these tips and tricks from experienced debtors to help you stay motivated throughout your own journey to becoming debt-free. With hard work and dedication, you can achieve anything.

It will be very helpful to find someone to hold you accountable just like a financial advisor or even a friend.

Taking out loans with no credit checks is probably not a good idea at this time. You need someone that will help hold you accountable, it will be much easier to stay on track and motivated as you pay off your debt. A financial advisor can help you develop a budget and payment plan that works for your unique circumstances. And having a supportive friend or family member to talk to can make all the difference when it comes to feeling motivated about paying off your debt.

So reach out to your network of support and find someone who can help keep you accountable throughout your journey to becoming debt-free. It will make all the difference in helping you stay motivated and on track.

Categories: BLOGS, LISTS, money matters, tips

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