The key to success in any endeavour is to find a way to keep going. Things happen and problems will arise, but you have to find a way to keep moving forward.
This is especially true when trying to eliminate debt or build savings. The process is slow (large windfall of cash notwithstanding).
You have to find little ways to keep yourself going. Find ways to keep reminding yourself of how far you have come, how well you really are doing.
When you only get to make a payment or put cash into savings every two weeks or only twice a month, it can be very discouraging.
Especially when that amount seems small when in comparison to your debt or target savings amount.
Use the inertia of time to your advantage, just get yourself into a habit of paying a large chunk on your debts or putting what you can into savings.
You will surprise yourself at how things will grow and progress . . . over time.
Have patience, perseverance and . . .
As always: Keep your head up, your attitude positive, and keep moving forward!