I think that one of the primary reasons people with good intentions of getting ahead fail to do so is because they don’t put time-frames on their goals. If you don’t do this, you could be chasing your goals to your funeral.
Decide if your main goal is to pay off a loan, become debt free, retire early, whatever. Then, do what I mentioned in Where to Start and get everything written down and calculate how long it will take you to pay off each debt using the snowball principal. There is your timeline. If you aren’t hitting those goals, something is wrong. Maybe life happened, but it’s always going to, so don’t let that be your excuse. If something comes up that saps some of your money unexpectedly, try to find a way to make up that cash another way. Do some odd jobs, sell some of your junk, downgrade a big ticket item, do something.
You want to stay on course with this and slacking or telling yourself you’ve got time won’t work. Don’t make the mistake of telling yourself you have your whole life to get ahead or that’s exactly how long it will take you to get there.