How to master the art of moderation and pay off debt

“Be moderate in order to taste the joy of abundance”


Moderation is the key to success, especially when you’re trying to get out of debt. Many people think that impulsive people can’t do moderation. While it’s true that genetics and personality influence the purchases we make, overspending is a problem for everyone, irrespective of the personality type.


Some people say that moderation should be organically practiced. There’s no truth in it. Moderation is a skill that you need to develop with time.

How moderation helps you get out of debt

We set up goals to lose weight or pay off debt after waking up in the morning. We decide to not spend a penny throughout the day. But all our best intentions start breaking with each passing hour. Don’t panic. You’re not hopeless. This is perfectly normal.


The brain has a big role in getting your finances under control. It helps you make the best decisions for managing your debts. So if you really want to get out of debt, then learn how to control your brain since that would help you make the best decision when it comes to finances.

How to master the art of moderation

Here are a few steps that can help you take care of your brain, master the art of moderation, improve your willpower, and pay off debt quickly.

1. Ask your friends to encourage you every week

A positive attitude enhances your thinking power, increases your self-esteem, and makes you believe anything is possible. Just like self-control, positivity doesn’t last for a long time. You need to refill your tank every day.


Ask your friends to encourage and motivate you every week. Ask your well-wishers to keep you accountable. Tell them to ask you these questions every week:

  1. Have you restrained yourself from caffeine?
  2. Have you restrained yourself from impulsive purchases?
  3. Have you made extra payments on any debt?
  4. Ask them to send you inspirational messages every week so that you can get out of debt one day.

2. Reduce stress and increase your willpower

We are too stressed at the time of managing multiple debts simultaneously. Too much stress is not good for mental health. It can destroy all your plans for moderation. Massive stress shrinks brain cells, reduces your endurance power, and hampers memory. Stress is bad and it hurts your immune system. It also accelerates your aging process.


Meditate for a few hours every day. Research shows that meditation helps to increase your gray matter, improves your willpower, and reduces your impulsive tendencies.


If you’re already stressed, avoid alcohol, nicotine, and caffeine. These things trigger stress and are also quite expensive. So it’s best to avoid them.

3. Focus on your debt at a time for getting best results

I know you have multiple financial obligations and other responsibilities on your shoulder. But I do understand one thing. You tend to make the best decisions when you have fewer things in mind. When you have only one thing in mind, you don’t need to worry about making other decisions about the money. Your brain focuses only on paying off debts and it thinks of the various ways to get rid of them.


If paying off debt is your goal, forget about all other things. Just focus all your energy on repaying your debts to get maximum results. Cut your clutter, be frugal, make extra payments on your debts, take advantage of a debt relief program, work hard, and follow a budget. Give your best shot at paying back your creditors.

4. Work out every day to have a better self-command

Regular exercise helps to reduce your stress hormone called cortisol. When you’re stressed due to debt or financial problems, cortisol starts controlling your brain. The result is disastrous. You lose all your willpower and willingness for moderation straightaway. The best way to burn this cortisol is through vigorous exercise.


A regular workout can help reduce cortisol levels. Exercise regularly at your home instead of going to the gym. This way, you can be in the best shape within your budget. Abstain from foods that increase stress and cortisol levels.


Self-discipline is important when you’re trying to pay off debt but for that, you need to have willpower. You need to recharge your batteries every night and be ready for a tough fight the next day. Create the perfect ambiance in your bedroom for a good night’s sleep. Avoid all kinds of habits that can ruin your sleep.


Your bedroom should be a place of tranquility and peace. Your edgy nerves and overworked brain should relax after you enter the bedroom. Your brain has asked you to be frugal, stopped you from making useless purchases, and provoked you to negotiate with your creditors during the day.


It needs rest after a long tiring day. So sleep for at least 7-7.5 hours to have better self-control over yourself the next day.


Credit card debt at a glance

Average credit card balance – $6375
Total credit card debt – More than $1 trillion
Average household owe – $16,883
Source – CNBC