May 27, 2020
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Steps to take when you feel like quitting

Attitude, the way you respond to life and all of its circumstances, is more important than anything. It is more important than the past, than struggle or success, than education or experience. It is more important than how much money you have, how much you owe, what you would like to do or where you would like to go.

Though I never have actually experienced them in person, I’ve seen pictures of the cables leading to the top of Half Dome in Yosemite National Park. Those I know who have completed the climb tell me the final ascent up the sheer granite surface of that majestic landmark is by far the most challenging. The cables are there to make sure climbers reach the top safely.

Once you begin the last leg of the journey and finally see the cables, you stand there, tilt your head to the sky, view the final hundred yards or so that lead to the top, and experience terror like you’ve never known. You realize you have no choice but to finish the trip.

At that moment, you are more thankful than you ever could imagine for the cables that will become the guardrails you need to pull yourself to the top for not only a spectacular view but also the feeling of accomplishment.

The secret for how to keep going when you feel like quitting is to erect “cables” in your life ahead of time, before you need them, so that when you face difficult days and situations, the help you need to make it to the top will be there to protect you from your own fears and self-defeating attitudes.

One way to erect cables for your financial circumstances is to memorize a list of all the reasons you will not give in to debt. Drill the reasons into your mind so deeply that you could repeat them in your sleep. That will give you those cables to hang onto when you feel weak and vulnerable. Here are some examples:

• I don’t choose debt because it presumes unfairly on my future.

• It is wrong for me to spend money I do not have.

• There is always a way out; I will not stop until I find it.

• When I step out in faith, I unleash God’s power in my life.

• I trust even when I do not understand.

• I do the right thing even when I don’t feel like it.

• This credit card company doesn’t really care about me the way this letter indicates; it is looking for a new sucker.

Once you have these truths planted deeply in your heart and mind, you will be able to call on them for strength in moments when you feel weak. You’ll have the strength you need to crash through the quitting point, and you’ll be back on track in no time.

Mary Hunt is the founder of and author of 18 books, including her latest, “Can I Pay My Credit Card Bill With a Credit Card?” You can e-mail her at or write to Everyday Cheapskate, P.O. Box 2135, Paramount, CA 90723.

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