@Blake: You’re exactly right. I haven’t heard of the challenge — I’ll take a look. Thanks for the kind words. Writing for this has been the same way. It is now a habit. I do it every day. Hard at first, but becomes easier with time.

Have you heard of Steve Pavlina’s 30-day challenge? Essentially you pick a habit that you want to break or begin, then vow to do what you need to do for at least 30 days. It’s really neat, and although it works better with repetitive tasks/habits instead of occasional things, it can be adapted in a lot of ways to improve in just about any are of life. After you make it for 30 days on a new budgeting plan, for example, your inertia should be strong enough for the change to be long-term.

This is a good post. I absolutely love the psychology of money!

I will fight that inertia though! Tonight I go to work for my first day at my second job. I will not let the inertia drag me down.

I think it’s very hard to get inertia moved in the right direction…. it’s hard to get rolling on a debt snowball… the first debt is the hardest. But once you get that inertia… you have to keep moving with it!