When was the last time you thanked yourself for getting on top of this money stuff? Have you thought about how far you’ve come since starting? If not, give yourself a hearty pat on the back right now. Whether you’ve been rockin’ it for 10 days or 10 years, the fact that you’re currently acting on it and getting involved is HUGE. Be happy with your success so far! :)
The thing I’m realizing about personal finance is that it’s always a continuous set of goals. In the beginning, it’s trying to figure out a budget or where exactly all our money is going. Then, we might be workin’ on nixing our debt or starting that emergency fund. And then comes savings and investing, Roth IRAs, 401(k)s, retirement, and on and on and on. Honestly, it never ends! And you know what? That’s a GOOD thing! It means we’re constantly trying to improve our financial (and normal) lives, and we’re getting closer with every action we take.
But we also have to step back and realize how far we’ve come too. In between each of these steps we gotta pat ourselves on the back and acknowledge our inner financial rock star. Buffett, Oprah, J. Money, we all started somewhere ;) No matter what stage you’re at right now, be thankful you’re paying attention and workin’ toward a better future.
A good blogging friend of mine once said that money “must be watched, nurtured, [and] constantly counted and put to work,“ and I couldn’t agree more. Yeah it’s annoying/frustrating/etc at times, but it’s a part of our lives and the sooner we accept that the better. The best part about it all is that once we get past the initial crappier phases (dealing with debt, learning how to budget better, getting comfortable with our money) the light at the end of the tunnel gets much much clearer. I call this the “Money, Money, Moneyyyyyy!” phase ;) When your pot is now actually increasing every paycheck instead of the opposite! And EVERYONE can get there. Not at the same time, but at our own paces.
So whether you’re in the “where the hell’s my money?” phase, or you’re already big pimpin’ into retirement, be sure to acknowledge how far you’ve come. Financial Freedom will be yours, baby! Go grab yourself an award and take a breather. Then get back to hustlin’.
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|