Simple vs Easy

Simple and easy are two words often confused, but in reality they do have slightly different meanings.

Easynot hard or difficult; requiring no great labor or effort. Antonym: difficult

Simplenot elaborate or artificial; not complicated; not complex or compound.

Don’t worry this is not just a vocabulary lesson to help make sure you are using the words simple and easy correctly.

In fact, I tell you this because though getting out of debt, saving, or obtaining any PF goal, can be quite difficult, it is really quite simple: SPEND LESS THAN YOU EARN, SAVE/INVEST/PAY OFF DEBT WITH THE REST.

Easier said than done, right?!

For me, though the concept is simple and I understand it mentally, it is still really hard sometimes to be fully committed to my financial goals.

Here are a few things you can do to help make it simple and easy to stay on track with your financial goals:

  • Find and Avoid Your Triggers: What are the things you are always overspending on? Clothes and accessories? Eating out? Once you know where your slow budget bleeds are it’s easier to fix them in the future. You can try going on a cash diet, or tracking every penny until you are more comfortable with the new total you’ve come to in your problem area(s).
  • Track Your Earnings and Spending: As mentioned, tracking your spending can be a real eye-opener and can help you to realize just how much you were actually spending in that area. Lots of times, people are shocked by what they actually find out how much their spending.I know I was. Plus using an envelope system or cash-only system helps limit spending.
  • Publicize Your Goals and Results: No matter if your results are positive or negative, posting them for the world to see (and comment on) is a great way to gain some accountability to yourself and paying off your debt.  Plus, posting your negative outcomes is a really humbling experience and helps readers to see that you are in fact a human who makes mistakes.
  • Have Fun with it: Realistically speaking, setting and obtaining financial goals is not really my idea of “fun”, but playing debt games like racing against your debt free date projections is a great way to stay motivated. Like we’ve all heard before, you can’t see results if you don’t track things. You don’t need “treats” or other things on a regular to make yourself stick with your goals, but they can be a great way to celebrate major achievements.
  • Ask for Advice: Ask fellow PF bloggers who are now debt free (or close to it) what tips and tricks they have to help you stay motivated and paying off debt (or saving). Seek advice in the PF community, and you shall receive. The community as a whole is very friendly and willing to help each other out.
  • Jump Right Back on the Band Wagon: We all have ups and downs in our journeys to financial independence, but the ability to keep right up and keep going after a set back is what will determine your overall success.

How do you stay on track with your financial goals?

About Kayla

Kayla is a mid-20s single girl living in the Midwest, USA. She is focused on paying off her consumer and student loans, while simplifying her life and closet. You can join her on her journey at ShoeaholicNoMore or follow her on Twitter.


  1. Some days I just don’t want to think about budgeting at all. The next day I want to get all austere about it. Then I’m back to not wanting to think about it again. I think it’s just so much like dieting that way!

  2. You are so right about the difference between ‘easy’and ‘simple’–My friend Sam and I talk about this all the time!! Tracking the progress is the best way for me to make staying on budget “easy” because it’s SOrewarding to see the progress towards goals.

  3. Tracking is my #1 tool, too! Not only is it encouraging when we do well or see how fast we’ve come, but it also gives us a kick in the butt and a clear picture of exactly where we’re screwing up when it happens.

  4. I also think getting support is key when trying to accomplish financial goals. I absolutely could not get out of debt by myself! Things may seem simple and easy in some cases, but human psychology messes up everything haha!

    • I started my blog for accountabilty and to be able to track my progress. Without it I’m not sure I would’ve actually started the process of getting out of debt…


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