UM
C: Goal to pay off $37k debt by EOY
T: I will probably get my balance under $30k by EOY
F: realistic
A: pay as I have been
R: I get my balance under $30k by EOY, I don’t figure out how to pay it all off by EOY

IM
C: Goal to pay off $37k debt by EOY
T: It might be possible that I could pay all of this off
F: curious
A: remember the people I’ve found who have achieved the same thing. allow my boyfriend not to believe it is possible.
R: I open my mind to possibilities

I feel like it is not happening fast enough to prove that I am going to achieve my goal.