15 ways to live with debt peacefully


So, you’ve found yourself living with debt, huh? No worries, we’ve all been there! In fact, according to Experian, the average American has over $96,000 in debt. It is possible to live with debt and be at peace.

The truth is that managing debt takes both tactical and mindset steps. Yes, there’s inner and outer work when it comes to dealing with debt. Transforming your financial reality goes beyond taking external action. Sure, cutting mindless spending and consolidating debts are essential tactics, but they’re only part of the equation. The real magic happens when you align these practical steps with a debt-free money mindset.

Picture this: You’re about to go into battle against your debts, armed with a powerful sword of financial knowledge and a shield of unwavering self-belief. That’s the winning combo, my friend! So get ready to don your armor and march towards financial liberation.

15 ways to live with your debt and be at peace:

Embrace the power of your mindset.

Shift from a mindset of lack to one of abundance. It’s all about changing the way you think and feel about your debt. Conquer those limiting beliefs that have been holding you back. You are worthy of financial success, and there’s more than enough abundance to go around!

Gratitude: The Magic Elixir of Financial Bliss.

Start every day by counting your blessings and dishing out gratitude like it’s your secret weapon. You can live with debt and still embrace the good stuff in your life. Doing so regularly will raise your vibes and let you conquer your debt with ease.

Unleash Your Imagination.

Time to put on your dreamer cap. What’s your wildest financial dream? Get creative and visualize yourself living that debt-free life. You’re a visionary, and this is your chance to shine!

No More Keeping Up with the Joneses.

This is your life, and your journey is like no one else’s. Stop comparing yourself to those so-called perfect Instagram lives. You’ve got your own amazing and abundant story to write!

Embrace the Power of Money Mantras.

Repeat after me: “I am the master of my money!” Embrace powerful money mantras and obliterate any negative thoughts about your finances. You’re a capable and worthy of being debt-free, so let your words shape your reality.

Find a Money Mindset Mentor.

There’s no shame in seeking guidance. Work with a money mindset coach or a financial whiz who can rock your world. They’ll serve as your beacon of light in the darkest of financial storms. Interested in exploring money coaching? Click here to schedule a complementary money chat.

Shower Yourself with Self-Love.

Living with debt doesn’t make you any less fabulous. Treat yourself like the badass you are, and let self-love guide you to financial freedom.

Take a good, hard look at your financial reality.

No more hiding or burying your head in the sand. Face your debts head-on, with fierce determination. Acknowledge your current situation without judgment or shame. You cannot live with debt and have peace of mind if you’re weighed down by guilt about your situation. Remember, you’re not defined by your debt, but by the actions you take to overcome it.

It’s time to strategize!

Develop a battle plan — a tactical approach that combines smart money management with an abundance mindset. Create a plan that aligns with your goals and allows for saving, spending, and debt repayment. Make sure you don’t put all of your money towards your debt. Remember: your life is happening right now. Enjoy it.

Crush your debt with a vengeance!

Attack it like the powerful force you are. Celebrate every milestone, no matter how small, as it brings you closer to your ultimate goal of financial freedom. And don’t forget to reward yourself along the way. You deserve to enjoy the journey!

Embrace mindful spending and intentional financial decision-making.

Tap into how you feel in the present moment. The ability to be fully present with your money is a mark of true financial evolution and will serve you well on your path to financial freedom. Read my Mindful Spending 101 blog post.

Keep educating yourself about personal finance.

Knowledge is power, and the more you understand the intricacies of money management, the better equipped you’ll be to make wise decisions. Read books, listen to podcasts, and stay curious. Your dedication to learning will pay off in abundance.

Have patience and give yourself grace.

Rome wasn’t built in a day, and neither will your debt-free empire. Managing debt and achieving financial freedom is a journey, and it’s okay to face challenges along the way. Stay persistent, stay resilient, and stay focused on the prize.

Celebrate your victories, large and small!

Each time you knock out a debt or hit a financial milestone, give yourself a standing ovation. Acknowledge the progress you’ve made and use it as fuel to keep charging forward.

Finally, share your journey with others.

Be a beacon of inspiration and support for those still struggling with their debt. Your transformation and triumph over debt can serve as a powerful motivation for others to take control of their own financial destinies.

As you embark on this journey towards inner and outer financial freedom, keep in mind that setbacks may come your way. You might encounter unexpected expenses or moments of self-doubt. But don’t you dare give up! Rise to the challenge with even more strength and determination.

Each day is a chance to practice the art of financial freedom. Stay committed to your vision, and celebrate the progress you make, no matter how small. Every dollar saved, and every debt paid off is a step forward to your ultimate goal.



Jenny Whichello, Bliss + Wealth

On a mission to help the next generation of unstoppable women have blissful relationships with money while building wealth! Free resources @ blissandwealth.com