Instead of this week’s round of miscellaneous updates, I’d like to take a moment to share some of the thoughts I’ve had while reading other people’s blogs throughout the past few months. While some may consider this post to be one huge rant or hugely judgmental, I can’t discount the idea of using it as a medium to encourage people to stop making excuses when it comes to their finances.
I’ve written about this in the past with my own personal call to action in my excuses aren’t valid anymore post as well as my post from earlier this month about how excuses and saving money don’t mix, but now I want to make one thing as crystal clear as possible: You own your financial destiny, not anyone else. Yes, there are circumstances out of our control that throw wrenches into our plans and there are speed bumps along the way as we cruise from a state of fiscal disaster to financial security. But nobody can take away your drive, ambition, and hard work–unless you let them.
Stop Making Excuses
- If you’re not making enough money to make ends meet or live the life you feel you deserve, find a way to bring in more. There are thousands of ways to make extra money–find one or two that work for you and get on it already. Every minute you waste debating or lamenting your situation is a minute of potential income opportunity wasted. There’s no time like the present to start making more money in an effort to better your financial situation.
- If you’re in a dead-end job or one that you hate, know that it’s temporary. Do your job to the best of your ability but focus your efforts on finding a new position. Send out resumes, network your arse, off, stalk online job boards, and pound the pavement. This is YOUR life, live it as you see fit.
- If you’re spending more than you bring in, there’s no way to sugar-coat it: you must cut back. Yesterday. Living within your means is the only guaranteed ticket to financial security.
- If you’ve typically shared your spending on your blog in a detailed manner but suddenly begin to estimate the numbers or leave updates out entirely, you’re not fooling anyone. Regular readers will know you’re hiding something and will see through your endless rationalizations. But here’s the thing: We’re not living your life, so it doesn’t matter what we think. The true issue is why you’re hiding what you’ve spent. Consider this before fudging your weekly reports–there could be something that needs to be re-evaluated.
- If you change the course of your financial decisions, don’t combine it with a slew of excuses. So you decided to make a home improvement during the holidays instead of giving to charity–it’s your money and your choice. But when you tack on 10+ excuses about why you absolutely had to have said improvement, perhaps the real reason you’re doing so is because you’re feeling guilty and fear your readers will fault you. Investigate these feelings before jumping on the excuse bandwagon because there could be an underlying situation that you need to attend to that’s driving your super-spending tendency at the time .
- If you failed at meeting a monthly or annual goal, it’s OK! Nobody is perfect and nobody meets all of their goals 100% of the time. Instead of rationalizing away the lack of progress, how about amending your goals to be specific, attainable, and realistic for your current situation? Most of the time, your readers are there to encourage you. If you’ve hit a wall, reach out to us–we’re always happy to lend a supportive ear as well as some advice.