SETBACKS CAN BE REVEALING AND CAN HELP US AVOID SIMILAR PROBLEMS IN THE FUTURE

For example, did an appliance break down and how you need spend unplanned funds towards repairing or replacing.

You may have to wait for several weeks before you can afford to do so, what an inconvenience. Still, it does show us the importance of setting aside a few rand each month towards the unplanned and unexpected.

Going forward, this can be part of your plan. Even if it is hard, you now know see the benefits due to this setback.

You can reach your goal, just like a sailor who happily reaches his destination. But remember, many sailors also enjoy the journey.

Similarly, as you continue working toward your goal, do not forget to enjoy each day. Debt review as a process very much focuses on ensuring we have what we need to care for our family’s basic needs each month. So, even when progress towards settling all our debt is slow, we can enjoy having what we need and caring for our needs.

This is not to be downplayed, it is vital.