Debt Payoff Impossible Goal


Hi, I am working on my impossible goal for this year and these are the models that are in my way:

C: IG pay off $38,000 by Dec 31, 2021 / it is July 5th / current balance $35,735
T: I don’t have enough time
F: stressed
A: consider extending the deadline; don’t get new clients
R: I waste my time

C: IG pay off $38,000 by Dec 31, 2021 / it is July 5th / current balance $35,735
T: It’s too much money to pay off in such a short amount of time (underlying thought: i can’t do it)
F: defeated
A: again consider extending the deadline; pay minimums;
R: I make it inevitable that I don’t pay it off by Dec 31

C: IG pay off $38,000 by Dec 31, 2021 / it is July 5th / current balance $35,735
T: I’ve always had debt
F: defeated
A: think about the past some more; think about my parents and their debt; no action towards building my business
R: I still have debt in the present and into the future because I am thinking about having debt

C: IG pay off $38,000 by Dec 31, 2021 / it is July 5th / current balance $35,735
T: I’ve wasted half the year
F: regret
A: beat myself up
R: I continue to waste time

IM
C: IG pay off $38,000 by Dec 31, 2021 / it is July 5th / current total balance $35,735 / student loan $626
T: I’m going to pay off my smallest student loan this month
F: motivated
A: review my budget; look at where I can move money from in my budget; think about the work I’ll do for my clients for extra income; think about the extra paycheck I’ll get this month from my FT job; stay on budget; check my budget before buying things;
R: I pay off my student loan this month