The boring part is waiting. Waiting for payments I’ve made to show up in my online statements, waiting for paychecks to pay off a bit more debt, waiting as days pass to see if I can really truly make a dint in my spending, waiting to see if insurance is going to cover a new and unforeseen medical expense. Mustering the patience to know that this is going to be a very long ride.
This is also the real part. It’s easy to pay down debt when a check has just come in, hard to stick with it when nothing much is happening.
But the boring part is where real long-term change starts happening, changing habits, expectations, and patterns. I am actually learning what it is live within my means. That is huge.