Work Your Finances Consistently, Even If Gradually
Just like exercise, a little bit of financial health is much better than none.
Finances can be overwhelming when we try to think of all areas at once. We know it is important to have all areas of our financial lives working together, but it is simply too scary to do it all at once. So, we can easily push off the hard decisions and the hard work that needs to be done.
If You Know You Need Help, Don’t Wait
For the most part, the people who come to me for help actually needed it about three years ago and they knew it. But the pain of poor finances did not outweigh the pain of actually fixing their finances, so they put them off. Fate does not wait, however.
As we delay getting more financially healthy, life happens and the pain that comes from being financially disorganized can increase rapidly. This is what happens when we lose our job or when divorce threatens, or any number of other things happen. It also happens with good news, like a new baby or moving to a new home.
Control in One Area, Naturally Increase Control in Others
I’ve found if you can at least feel in control of one area of your finances like investments or current spending, your control will naturally shift to other areas. So, if you don’t know where to start but you have a pretty good idea where your biggest problem is, start there. And do it gradually so you can maintain your personal willpower to improve slightly each and every month.
This gradual pace will get you the clarity you need to have control of your finances and eventually live life fully with intention.