You know what’s funny about personal finance? That no matter how many times you’re told to spend less, or create a budget, or save 10% or whatever else we hear all the time, most of us still don’t do it. And do you know why? Because we really don’t WANT to change. Or at least put in enough effort to make it possible (that’s why people go gaga for get-rich-quick type schemes! Big reward for little action!).
Just like losing weight or quitting smoking, you really have to WANT IT to make things happen. And not in The Secret kinda way either ;) I’m talkin’ TRULY wanting it bad enough to really put in the time and effort required to make whatever it is you want to happen, happen. The truth is, a lot of this stuff doesn’t come easy. It may be simple in theory (the basics of personal finance is NOT complicated), but for most of us it requires some fine tuning of both our brains AND our daily routines.
Stuff doesn’t just *happen* without us actually prioritizing it. If you’re looking to save up for that house down payment, or you wanna clear out all that debt once and for all, you’ve gotta bump it to the top of the list and get passionate!
Without passion, our goals drop as fast as they do during New Years ;) Remember those promises lies to ourselves? How many of us actually accomplished our resolutions this year? I can tell you for a fact that the only ones I’m still rockin’ are the ones having to do with money ;) And quite frankly it’s because they are the only ones I truly care about enough to actually DO something about ’em. It would be awesome to have better handwriting or become a movie extra (been “trying” for 10 years on that one!) but the reality is that I just don’t care enough to fully act on them.
If you want results you’ve got to put in the EFFORT. And that includes prioritizing too. People don’t become debt-free or rich in a day. It takes a lot of time and a lot of dedication. But the good thing is, everything’s possible! You’ve just gotta commit first ;)
PS: Some of my favorite tools:
|Personal Capital (FREE) -- If you’re looking for a robust financial tracker, Personal Capital is the way to go! They’re like Mint, but on steroids and have much better tools for investment and net worth tracking. // Full review|
|Digit (FREE) -- A super easy (and automated) way to save. Every day Digit analyzes your income and expenses and will push money aside for you any time it sees extra sitting there. I've saved over $4,000 myself using them so far! // Full review|
|Acorns -- Having trouble finding money to invest? Check out Acorns – they round up all your transactions to the nearest $1.00 and drops the difference into an investment portfolio for you. Easy way to start investing! // Full review|