EXPECT IT TO BE HARD

Starting a new habit, like living on cash and always paying our debts at the end of every month, prompts your brain to cycle through a state of: order, disorder and reorder, which is also known as allostasis.

This is what leads us to feel worse before we feel better. We have to get through the change, then the disorder to make it back to the order part.

Starting a new gym habit, for example, can mean sore muscles, hunger and fatigue before we eventually start to feel the benefits, and adjust to the new routine.

One expert says: “If you don’t expect it to be hard, then when it is hard you freak out and you quit,”

We expect good habits to make us feel better (maybe more energetic, or stronger or calmer) but those feelings don’t often come right away.

It’s the same with debt review. At first it might surprise us how hard it can be, it’s only later, looking back that we clearly see the benefits.

IT TAKES THREE MONTHS