When deciding on a name for our blog I wanted to incorporate a phase or term in the name that helped capture what someone would need to exhibit to be successful in getting a handle on their personal finances. I decided on discipline. For me discipline is one of the key attributes needs to get a handle of on your budget. In my mind very similar to being on a diet. When attempting to lose weight you need to be disciplined in your food choices, and increasing activity to burn more calories. In the long run the best way to lose weight and keep it off is to change your eating habits for good.


a : control gained by enforcing obedience or order

b : orderly or prescribed conduct or pattern of behavior

c : self-control

What I have found in our three year journey in paying off over $75,000 in debt is that we need to be disciplined everyday, with every money decision we make. We have changed our money habits, we have increased our earnings, we have said no often. It was difficult at first not using credit cards to buy things immediately, keeping a written budget, and communicating often with my family. It quickly became habit, second nature and now routine. So that’s a big reason why our blog is named Debt Discipline. By the why I’m down about 40 pounds over the same 3 years. What I found was when I started making changes in my financial life, other areas began to become more organized, more disciplined.


What term or phase would you use to best describe being successful in handling debt?

2 thoughts on “Discipline”

  1. We paid off $30,000 in two years. It was a life-changing experience.

    My phrase? I guess it depended on the day (according to mood, haha) – here’s a couple

    “Having strong motivation”

    “Believing in the goal”

    I guess the two are related, but the motivation and belief that being debt-free would change our lives kept us going when it seemed impossible at times…

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