There is a reason why we come across certain phrases or advice time and time again. People have been in our shoes long before we were ever in them. They have learned and passed on invaluable information to help future generations like us. No matter the situation, there is always a simple solution when you dig down deep into the roots of it.
" PATIENCE YOUNG GRASSHOPPER "
One word, that is all. Patience. Whatever your goal may be, short term or long term, this is the most important word you need to remember. Everything takes time especially saving money and paying off loans. If you can remain patient then you are guaranteed to reach your goal.
The one analogy I would like to make is how achieving financial goals is like going to the gym.
Step 1: GO. You need to take that first step to put on your cross trainers and walk out the door. This is the equivalent to saving that first $500 or even $25. This is typically the most difficult step, so once that's over with you are smooth sailing.
Step 2: DISCIPLINE. It is perfectly fine to start slow but you must continue the routine. Whether it is weekly or monthly, determine what you are capable of and stick to it.
Step 3: GET THEM GAINS. Once you start seeing results it is incredibly easy to keep hitting that stair set and pushing yourself to do one more level in order to make it to the top. The same goes for your bank account. Once you see your cash growing, there is nothing more you will want to do than buy one less coffee that week to see how far you can push yourself to get to that next comma.