Having a clear goal means everything when trying to get out of debt. Just like with losing weight or quitting smoking, if you're not motivated and aren't ready to do whatever it takes, you won't stick with your plan through the hard times. That's why so many people struggle with debt, and weight loss, and smoking.

The other day I came across an interesting video on motivation. It's not brand new, but the concepts are so amazing that it's worth watching more than once.

It's mostly about motivation in the workplace. But the ideas work for just about anything in life. The more motivation you have - and the more of the right kind of rewards you'll get - the more likely you are to successfully reach your goals

Here's the video. While you are watching it, think of how you can use the "candle problem" to help you solve your financial problems.

Motivation video

Pretty interesting, isn't it?

So here are some questions to ask yourself:

- What is your goal? And be specific. Is it getting out of debt? Staying out of debt? Saving up a certain amount of money? Retiring with a certain amount of money? Saving up for a big purchase?

- What obstacles are holding you back? How can you use the "candle problem" to get what you want financially?

- How can you overcome these obstacles? What types of rewards can you give yourself, so you can reach your goal?

For some people, goals are hard to define. If that sounds like you, then get a piece of paper and write down your goals right now! Be very specific. Don't just say "I want to get out of debt". Try writing something like "I want to pay off all 6 or my credit cards or all $15,300 of debt I owe".

For others, goals are way too strong a commitment. If that sounds like you, that's okay. Start small, like paying off one credit card. Or reducing your debt by $1,000 in the next six months. Then make a commitment to yourself to achieve it. Then on to the next goal.

For others, they know their goal and are committed, but don't have the right motivation to keep working towards their goal. If that sounds like you, then break down your goals into smaller steps AND write down specific rewards for each step you complete.

You can get yourself out of debt. If you believe strongly enough. And go about it the right way. All it takes is the right motivation, and a good plan for getting out of debt.