After making a series of consecutive payments or paying off a specific debt entirely, buy yourself something that you don’t get to have all the time, suggests Filip Telibasa, a certified financial planner who owns Benzina Wealth.

“This could be a meal at your favorite restaurant, a fancy cocktail, or anything else.” The key, Telibasa explains, is to limit the extravagance so you are not being overly counterproductive. And although this approach may work slightly against you right now, it also allows you to stay disciplined over the long run. 

“In the end,” he says, “consistency will be the key to your success.”