SET REALISTIC GOALS

It is important that you do not expect more from yourself than what you can realistically achieve, that would be foolish.

Your goals should be reasonable, according to what your current circumstances allow you to achieve.

For example, if you have a lot of debt, it would be unrealistic to set yourself the goal of paying it all off in one go, or after just a few months. Often, credit providers add so much interest to debts, it can feel like you will never catch up.

No, it would be much more realistic to plan to repay that debt over a longer time period.