|You're almost there, don't give up!|
This is where it is critical to set up some type of reward for yourself. This is especially important when you have one spouse who may be struggling with the process so that he/she can see some light at the end of the tunnel.
The reward can't come too early in the process or too late. There are some that will say that you have to completely pay off all your debt before you can have a reward. However, I believe that this is a personal decision that needs to be made by you...Only you know your personality and how easily you will lose momentum. Do you have to complete the goal 100% before you can treat yourself or do you need to splurge once in the middle to keep you on track??
Your reward can be as little or as big as you want, but just remember that it must be paid in CASH!!
Decide on a short term reward and a long term reward and remind yourself often. Take one day at a time and I promise it will feel so good when you finally do get to treat yourself with no guilt!