Put in the Effort – Get the Payoff

put in the effort get the payoff andthenwesaved.com

The Spending Fast method for getting out of debt is usually portrayed in the press and articles about me, and the blog, as being a super easy, and quick way to get out of debt. And while it IS a VERY quick, and efficient method (especially in relation to other methods), and while it IS simple, it is not easy.

While it would be amazing to be able to take a pill or snap your fingers to get out of debt instantly, it doesn’t work that way. And, we all know that. It takes time, and effort to do anything worthwhile, much less to get out of ALL OF YOUR DEBT!

To paraphrase the saying, time is going to pass whether you take the chance or not.

You might as well give this the absolute best shot you possibly can. Put in the effort. Get the payoff. Seriously, you can do this. You can do hard things. xo, Anna

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12 thoughts on “Put in the Effort – Get the Payoff

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  1. Lara

    Hi Anna! I just want to send you a huge THANK YOU for creating this site. I started my spending fast July 1 and as of today, August 1 I am $2930.00 less in debt (and I only work part time making $10/hr). In one month! I’ve sold, consigned and returned all the things in my home I no longer use or want. My house is cleaner, my head is clearer and my husband is happier! Wish me luck as I enter month 2!

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  2. Kayla @ Red Debted

    What a great motivational saying. It is true with anything in life that you really only get out of it what you put in. A lot of people don’t realize this and do try to find “the easy way out” which often lands them in a deeper hole than they were in to begin with.

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  3. Lisa

    After reading your archives I would never think it he Spending Fast! I am not a natural saver so as I am thinking of embarking and it is scaring the crap out of me!!

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  4. Frances

    Hi Anna.. I have 2 more payments on my car.. Paid extra to pay off asap and got rid of one credit card… woo hoo.. Thank you. I am on my way!!! My goal is to pay off 10,000 credit card debt by next year and after paying my car i am pretty sure I can do it.. Thank you

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  5. Christa

    If I was single… ha. I basically lived the spending fast by default back in the day. Let me pay off bunches of debt. But kids and husband made it hard. Not an excuse, just need to get them on board. And to figure out – is dance (and all it’s accessories) a need if that is my fitness and my therapy?

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  6. Katelyn

    I found your blog about 6 months after I started majorly throwing chunks of money towards getting rid of my debt. I had paid off about $4,200 in credit card debt… which left just about $4,000 left to be paid, but then my dog needed emergency surgery which was a whopping $4,000! So, now I am right back to where I started! It is so frustrating, when you feel like you’re making progress just to be set back again!

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      1. Lara

        when I have setbacks and am struggling with how to put any money at all towards debt (quit my job this week,$300 vet bill) it’s important to be mindful of any savings opportunities. For example I’ve quit using the garage door opener and unplugged ALL items not currently in use. I shower with the lights off and hang dry my clothes. I read up about driving and found that it’s best if I use cruise control and windows down driving locally and to drive 55-60 on the highway with A/C. These are just small little things that i can do to spend just a little less when I’m not able to actually save

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  7. Chelsea_Gerrard

    Time and tide wait for no one! I think the biggest flaw is in the belief of miracles; they don’t happen like that without an effort :) Give and get is said to be the principle of life. We say that every single thing comes with a price tag and similarly, the price of achievement is effort. Therefore, I second that!

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