Until you commit to having money withdrawn from your chequing to go into your debt, you’re not really committed to repaying your debt. I didn’t do this for a long time- I always waited till pay day, then I would go in and transfer the funds.
Having the money automatically move from one account to another is the easiest way to make sure that you have something going to debt repayment every month, even when you’re absent- minded and would rather not think about your debt.
Trust me! Do this! Go into your bank today, and set up an automatic withdrawal from chequing into your debt account- Student Line of Credit for me. I have set up 2- one day after both of my paydays (1st and 15th). I only have $100 move each time, but it’s so much better than nothing!