When this happens, a lot of emotions can build up: frustration, fear, anger and anxiety. These emotions sometimes can be positive in small dozes. But when we let these emotions get control of us, our situation can become much worse or even seemingly hopeless. Just remember that debt is something that most everyone has been in at one time or another, so don’t feel like you’re lost on an island.
If any of the suggestions above is too much for you to handle alone, consider consulting a professional. Sometimes a problem overspending is a symptoms of something deeper. Some people are not naturally positive thinkers. In these cases, there is nothing wrong with consulting a professional who is trained to help.
At the same time, rewarding yourself for a job well done is perfectly valid, psychologically. It helps to set benchmarks. The big payoff is coming at the end of your debt plan. But it’s healthy to having a series of little payoffs along the way.
Talk to a friend or family about your debt problem. I’m not talking about asking for help; I’m simply talking about having someone to unload on. Try to choose someone who will listen and be non-judgemental. You may not be looking for advice or financial assistance, but a psychologist or confessor. This is healthy.