Ocean shoreline and writing in the sand

If you’re working to pay off loans so you can become debt free, chances are you’ll need a little motivation along the way. Let’s be real here…the beginning of your debt free journey isn’t the hardest part. Nope. The hardest part of becoming debt free lies in the middle of your journey.

When you’re months into paying off debt (or even years!), you might start to second guess your decisions. Thoughts will run through your mind.

Is paying off debt really worth it?

What if I just take a break and start over next month…or next year?

Why am I doing this again???

This is totally normal! When you’re working to become debt free, sometimes you need a little motivation from somewhere else. Once you start questioning WHY you’re working hard to pay off debt, start looking for motivation EVERYWHERE.

A good place to begin is by finding a quote or two that truly resonates with you. That’s why I’ve pulled together 101 motivational quotes for your debt free journey! Hopefully, these quotes will provide you with the motivation you need to stick with your debt payoff journey.

1. “Get into the habit of asking yourself, ‘Does this support the lifestyle I’m trying to create?’”

2. “Wherever you are, be all there.” –Jim Elliot

3. “The best view comes after the hardest climb.” –Unknown

4. “At the end of the day, we can endure much more than we think we can.” –Frida Kahlo

5. “Doubt kills more dreams than failure ever will.” 

Nelson Mandela Quote

6. “It always seems impossible until it’s done.” -Nelson Mandela

7. “We cannot become what we want by remaining what we are.” –Max Depree

8. “All you can change is yourself, but sometimes that changes everything.” –Gary W. Goldstein

9. “There are far, far better things ahead than any we leave behind.” C.S. Lewis

10. “Old ways won’t open new doors.”

11. “You can’t go back and change the beginning, but you can start where you are and change the ending.” –C.S. Lewis

12. “A little progress every day adds up to big results.”

13. “If it doesn’t challenge you, it won’t change you.”

14. “Your mind will always believe everything you tell it. Feed it faith. Feed it truth. Feed it love.”

15. “Work for it more than you hope for it.”

Brene Brown Quote

16. “Owning your story is the bravest thing you’ll ever do.” –Brene Brown

17. “Surround yourself with people who push you to be your best self.”

18. “It’s a slow process, but quitting won’t speed it up.”

19. “Nothing happens without focus. Don’t try to do everything at once. Take it one step at a time.” –Dave Ramsey

Marie Forleo Quote

20. “Success doesn’t come from what you do occasionally. It comes from what you do consistently.” –Marie Forleo

21. “Discipline is doing what needs to be done even when you don’t want to do it.”

22. “The distance between your dreams and reality is called action.”

23. “Today is your opportunity to build the tomorrow you want.”

24. “Visualize your highest self and start showing up as her.”

25. “If you want something you’ve never had, you have to do something you’ve never done.”

26. “Start where you are. Use what you have. Do what you can.”

27. “Don’t wait until you’ve reached your goal to be proud of yourself. Be proud of every step you take towards reaching that goal.”

28. “You will never always be motivated, so you must learn to be disciplined.”

Jim Rohn Quote

29. “The stronger the why, the easier the how becomes.” –Jim Rohn

30. “Healthy striving is self-focused: “How can I improve?” Perfectionism is other-focused: “What will they think?”

31. “Act like the person you want to become.”

32. “Doubting yourself is normal. Letting it stop you is a choice.” –Mel Robbins

33. “Where you are a year from now is a reflection of the choices you choose to make right now.”

34. “You’re never ready for what you have to do. You just do it. That makes you ready.” –Schreiber

35. “One day you will thank yourself for never giving up.”

36. “You have to fight through some bad days to earn the best days of your life.”

37. “When you focus on the good, the good gets better.”

38. “Keep going, because you did not come this far only to just come this far.”

39. “The struggle is part of the journey. Everyone goes through it. Keep going and don’t give up.”

when you feel like quitting, think about why you started.

40. “When you feel like quitting, think about why you started.”

41. “When everything seems to be going against you, remember that the airplane takes off against the wind, not with it.” –Henry Ford

42. “Don’t try to keep up with the Joneses. They’re broke.” –Dave Ramsey

43. “Earning a lot of money is not the key to prosperity. How you handle it is.” –Dave Ramsey

44. “If you are too lazy to plow, do not expect a harvest.” –Proverbs 20:4

45. “The key to success is to focus on goals, not obstacles.”

46. “The hard days are what make you stronger.” –Aly Raisman

47. “If you cannot do great things, do small things in a great way.” –Napoleon Hill

Everyday you have a choice - stay the same or change

48. “Everyday you have a choice – stay the same or change.”

49. “Push yourself because no one else is going to do it for you.”

50. “A smooth sea never made a skilled sailor.” –Franklin D. Roosevelt

51. “Every next level of your life will demand a different version of you.”

52. “Nobody who ever gave his best regretted it.” –George Halas

53. “The harder the battle, the sweeter the victory.” –Les Brown

54. “It’s not whether you get knocked down; it’s whether you get back up.” –Vince Lombardi

55. “Without self discipline, success is impossible, period.” –Lou Holtz

56. “Failure will never overtake me if my determination to succeed is not strong enough.” –Og Mandino

57. “The secret of getting ahead is getting started.” –Mark Twain

Confucius Quote

58. “It does not matter how slowly you go as long as you do not stop.” –Confucius

59. “Good things come to people who wait, but better things come to those who go out and get them.” –Anonymous

60. “If you do what you always did, you will get what you always got.” –Anonymous

61. “Whenever you see a successful person you only see the public glories, never the private sacrifices to reach them.” –Vaibhav Shah

62. “What seems to us as bitter trials are often blessings in disguise.” –Oscar Wilde

63. “There are two types of people who will tell you that you cannot make a difference in this world: those who are afraid to try and those who are afraid you will succeed.” –Ray Goforth

Napoleon Hill Quote

64. “The starting point of all achievement is desire.” –Napoleon Hill

65. “All progress takes place outside the comfort zone.” –Michael John Bobak

66. “The only place where success comes before work is in the dictionary.” –Vidal Sassoon

67. “Too many of us are not living our dreams because we are living our fears.” -Les Brown

68. “Daring is saying ‘I know I will eventually fail and I’m still all in.” –Brene Brown

69. “You can choose courage or you can choose comfort, but you cannot choose both.” –Brene Brown

70. “The middle is messy. But it’s also where the magic happens.” –Brene Brown

71. “Owning your story is the bravest thing you’ll ever do.” –Oscar Wilde

72. “I didn’t get there by wishing for it or hoping for it, but by working for it.” –Estée Lauder

73. “Move out of your comfort zone. You can only grow if you are willing to feel awkward and uncomfortable when you try something new.” -Brian Tracy

74. “Challenges are what make life interesting and overcoming them is what makes life meaningful.” -Joshua J. Marine

75. “Grit is that ‘extra something’ that separates the most successful people from the rest. It’s the passion, perseverance, and stamina that we must channel in order to stick with our dreams until they become a reality.” –Travis Bradberry

76. “Obstacles are those frightful things you see when you take your eyes off your goal.” –Henry Ford

77. “It is your determination and persistence that will make you a successful person.” –Kenneth J Hutchins

78. “The act of doing something un-does the fear.” –Shonda Rhimes

79. “The way to get started is to quit talking and begin doing.” –Walt Disney

80. “The pessimist sees difficulty in every opportunity. The optimist sees opportunity in every difficulty.” –Winston Churchill

81. “You learn more from failure than success. Don’t let it stop you. Failure builds character.” 

Maya Angelou Quote

82. “We may encounter defeats but we must not be defeated.” –Maya Angelou

83. “Knowing is not enough; we must apply. Wishing is not enough; we must do.” –Johann Wolfgang Von Goethe

84. “Character consists of what you do on the third and fourth tries.” –James A. Michener

85. “Never give up, for that is just the place and time that the tide will turn.” –Harriet Beecher Stowe

86. “You do what you can for as long as you can, and when you finally can’t, you do the next best thing. You back up but you don’t give up.” –Chuck Yeager

87. “Our greatest weakness lies in giving up. The most certain way to succeed is always to try just one more time.” –Thomas Edison

88. “If you fall behind, run faster. Never give up, never surrender, and rise up against the odds.” -Jesse Jackson

89. “Survival can be summed up in three words―never give up. That’s the heart of it really. Just keep trying.” –Bear Grylls

90. “Successful men and women keep moving. They make mistakes, but they don’t quit.” –Conrad Hilton

The moment you're ready to quit is usually the moment right before a miracle happens. Don't give up.

91. “The moment you’re ready to quit is usually the moment right before a miracle happens. Don’t give up.” –Unknown

92. “Just keep going. Be patient. Results take time, but if you’re consistent they will come.” –Unknown

93. “If “plan A” didn’t work, the alphabet has 25 more letters! Stay cool.” –Unknown

94. “You never fail until you stop trying.” –Albert Einstein

95. “When you’re ready to give up, you’re halfway there.” –Unknown

Earn Nightingale Quote

96. “Never give up on a dream just because of the time it will take to accomplish it. The time will pass anyway.” –​Earl Nightingale

97. “It’s always too early to quit.” –Norman Vincent Peale

98. “When you feel like giving up, remember why you held on for so long in the first place.” –Unknown

99. “Sometimes you just have to be strong and keep going, no matter how much you want to give up; not for yourself, but for those you care about.” –Unknown

100. “No matter what you do, no matter how many times you screw up and think to yourself ‘there’s no point to carry on’, no matter how many people tell you that you can’t do it-keep going. Don’t quit. Don’t quit, because a month from now you will be that much closer to your goal than you are now. Yesterday you said tomorrow. Make today count.” –Unknown

101. “Obstacles don’t have to stop you. If you run into a wall don’t turn around and give up. Figure out how to climb it, go through it, or work around it.” –Unknown