The struggle is real, y’all. The financial struggle, I mean. The saver in me is weeping from my lack of follow through and seeming inability to stick with a savings plan and take control of my finances. Lately, I’ve definitely been on a downward spiral. And it needs to stop.
Iyanla, where you at??
The Money Mindset
For whatever reason, this year in particular, has been very hard for me financially. I’m not talking being broke or struggling to make ends meet. Actually, it’s quite the opposite. While I’m nowhere near rolling in the dough, I’ve probably made the most I’ve ever made during this year. And while that fine and dandy, I’ve noticed that the more I make, the more I hoard. Yep. Crazy ain’t it? One would think that making more money would allow for more money to be saved. I mean, it’s only logical.
But there is very little logic in money management. Yes, I said it. The way we view money is majorly motivated by our emotions surrounding it.
And I’m an emotional wreck right now (if my finances are any indication.)
Take Charge Now
“Your willingness to look at your darkness is what empowers you to change.”
Say that, Ms. Vanzant! Say that. It’s time for me to take ownership of my shortcomings. I need to really, really evaluate my thoughts and feelings around money. As painful as it might be, it’s the only way to have lasting change.
So by December 31, 2013, I resolve to do the following:
- Read 1 book on personal finance
- Have a savings plan in place based on my CURRENT income
- Put $350 toward my savings goal of $5000
- Make one more charitable donation
At the end of December, I’ll check-in and post the goals for January. I can do this. I can.
Have you ever gotten off track with your finances? What did you do to get back on?