“I’ll start tomorrow.”
These are the immortal words of people who don’t achieve their goals. Tomorrow is forever a day away. One delay leads to another. The constant putting-off builds up anxiety as you feel you’ll never actually make a change. Eventually, you believe your goal is completely unattainable.
The truth is, if you’re looking to make a change in your life, it needs to start today. For anyone looking to get financially healthy, you need to start now.
The Lies We Tell Ourselves About Finances
It’s easy to put off getting your money in order. You might say you’re waiting for a raise before you start getting serious with money, but a raise is potential money. There’s never a guarantee of when a raise might happen. Even if it comes, you may find yourself increasing your spending, leaving you with no extra money at all.
Or maybe you’ve just accepted that debt and a lack of savings is part of life. While that may be true for the majority of people, that doesn’t mean you have to be a part of the statistic. Anyone can improve their financial situation. They simply have to act.
You Don’t Have to Change Everything All at Once
Let’s say there’s a person looking to get into shape, but they haven’t exercised in over a decade or more. You wouldn’t put that person through a 6 days-a-week, 4-hour workout program, would you? No. First, you’d start by examining where they currently are and what they’re capable of.
Next, you’d set goals for where they want to get to. Finally, you would create a progressive, achievable way for them to get there.
It would start off slow and simple. Something they can do but aren’t currently doing. Once that becomes a part of their life, things can be increased.
The same is true for financial health. The first thing is to realize where you are. Going over your budget isn’t complicated. You simply tally what you owe per month, and then you compare that to how much you make.
Once you have an idea of how much money you actually have per month, you can create a simple, regular goal. The best thing you can do to start is to “pay yourself”. That means taking a percentage of your earning and putting it away in savings.
A few months of that, and suddenly, you have this extra money you didn’t even notice was missing. This leads to both a sense of accomplishment and a feeling of strength that you can control your money.
Talk to Somebody About Money
Talking to people about money can feel awkward for a lot of people. Your spending habits, as well as your income, are very personal items. However, as with anything else in life, it’s important to share your financial standing, struggles, and goals with someone you can trust.
We process things differently when we talk about them out loud. And external people can provide insight into our lives that we can’t see ourselves.
While talking to a friend or family member can be a good start, a financial advisor can provide stronger insight and better advice. Chances are, they’ve dealt with people in a very similar situation to you. They know what works and what doesn’t. They’re experienced in making goals and helping people actually achieve them.
If you’re ready to take your finances seriously, contact a financial advisor today. This simple step could be the action that changes everything. For a qualified financial advisor in the Springfield, Ohio area, contact KB&P Partners today. Our team can help, no matter your situation.