Get Out of Debt! The Overlooked Tactics of Mindset and Relationships.

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By Josh Rueff on May 28, 2013

If this blog wasn’t about minimalism, I’d still write about getting out of debt – it’s not simply about  getting out of debt – it’s about a fulfilling lifestyle and freedom – you can’t have freedom and complete fulfillment without freeing yourself from the debilitating grip  of debt.

I’ve read all kinds of articles about debt management and debt elimination, and many of them have great tips and strategies, but most of them leave out what I consider the most important tactics that have to do with mindset and relationships:

1. Spouse teamwork

2. Recruiting community moral support

3. Developing a powerful debt-free mindset

I wouldn’t be out of debt if it weren’t for these things, and that’s why I want to share them.

Financial Agreement and Teamwork

If you’re single, this part of debt elimination won’t really be relevant to you (the rest are though!).

It doesn’t matter how independent you are – if you’re married, you need the support and agreement of your mate. Is it possible to complete goals without coming together as a team? Maybe. In fact often I’d say yes, it is.

But how long can any team rely on one superstar to carry them through victory, time and time again?

No one likes a ball hog because we all know and understand the power of teamwork.

The value of teamwork is every bit as important in marriage, especially in money management. A twine of many cords is not easily broken, two heads are better than one, and iron sharpens iron.

Recruiting Moral Support From Your Community

This builds upon the same idea; the more support you have, the stronger your plan will be, and the more likely you are to see success.

Most people stop at spousal teamwork, and to be honest, it’s often enough to get them through.

Ideally however, you won’t just stop there – getting out of debt is a monumental, life-changing task – why not recruit as much support as you can?

Start with your closest friends and your family; they’re close to you for a reason, and that reason is because they have helped you in the past, and you’ve helped them in some way – that’s what relationships are for – to help!

If your relationships aren’t deep enough to ask for help, now is the time to build a more meaningful relationship by pursuing that relational dynamic!

It can be as simple as telling everyone you know what your plan is; how you plan on getting completely out of debt, the steps you’ll take, and the freedom you’ll earn because of it. After you’ve mentioned it 2 or 3 times, it will naturally become a topic of interest.

This is important because it makes you accountable.

Your friends and family will ask how the plan is going, and you know they will – and no one wants to talk about failing plans – you’ll find a way to succeed, in part just to avoid awkward conversation!

Consider these debt eliminating tactics as well:

1. Join a debt elimination club: Dave Ramsey money management clubs are everywhere, and they’re worth joining, not only for moral support and accountability, but for proven personal finance strategies as well.

2. Write about it on your blog: Do this for the same reasons you tell your friends and family about your debt elimination goals. Your blogging community is sure to provide support and even some good tips and advice!

3. Find someone with the same goals, and work toward them together: This is one of the most powerful tools you can have to get out of debt. Sometimes you may find yourself competing a little bit, and there’s nothing wrong with that! It builds momentum and extra motivation – just don’t over do it. The main goal is to build each other up and help each other get out of debt!

Building Mindset Momentum and Motivation

I believe that a positive mindset is vital to attaining any goal – getting out of debt is first and foremost a mind game. Have you ever noticed how convincing something is after you hear it multiple times? If you haven’t, do yourself a favor and start paying attention to the power of repetition.

The more I tell my wife I love her, the more she realizes it. The more I tell her how beautiful she is, the less self-conscious she is about her body, and the same is true of her words to me!

Start speaking the truth – Tell yourself every day “I can get out of debt, and I will get out of debt!” Repeat your goals and your plan out loud; speak the truth to yourself, with your spouse, and with your friends and family.

Never fall into a negative mindset about your finances – if you have a gloomy or pessimistic outlook on them, change it now! When you say things like “How can I ever get out of so much debt?” or if you dwell on the past saying things like “Why did I let myself do this?”, you only hurt yourself and the ability that you do have to get rid of your debt.

Keep your mindset healthy, repeating the truth daily and visualizing yourself completely debt free. You can do it and you will.



  1. Nikoli May 28, 2013 at 7:10 pm #

    I really enjoyed this. These are excellent tips!


    • Josh May 29, 2013 at 2:20 pm #

      Thanks for the feedback Nikoli, I hope to see you around more often!


  2. Nicole June 4, 2013 at 7:23 pm #

    “getting out of debt is a monumental, life-changing task”.

    I agree 100%. I got angry about my pay cheques going to the government (student loan debt) and the bank (student line of credit, credit card and line of credit debt) 3 years ago and decided to make a life changing decision.

    I decided I was no longer going to be slave to the lender.

    Currently I work 3 jobs and have paid off $50,000 of debt in 3 years. Paying off this debt has been one of the hardest things I’ve ever done in my life but every sacrifice (getting up at 5:30am every sat/sun to go to work) has been worth it.

    In one year I will experience financial freedom for the first time in 16 years. I’ll be able to do ANYTHING I want (move to Africa) because debt will no longer control me.

    I can’t wait to be released from financial slavery and live life.


    • Josh June 4, 2013 at 9:00 pm #


      Kudos for that effort! It sounds like you’ve been working like a machine, which is definitely not fun, but I know you’ll appreciate the freedom you earn.

      Is Africa somewhere you want to visit when you’re financially free, or was that more of a random example?


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