No More Excuses

Credit Card Freedom  800Fellow financial coach and good friend Greg Pare had an excellent blog article about the importance of waiting when it comes to developing a power over purchases.  There are a lot of times when waiting makes sense.  However, there is a time when waiting makes absolutely no sense.

Most people tell me they feel overwhelmed, stressed out, guilty, hopeless when it comes to living paycheck to paycheck.   However, even with all of those negative thoughts and emotions, it never seems to be the right time to take control of the money problems.

“I am too busy this summer with kids’ activities and vacations.  I just do not have time to get a handle on my money.  When school starts, and we get past Labor Day then I will take care of my finances (since we will be back into our normal routine).”

Then after Labor Day I usually hear people say things like:

“Well, school has started and now the kids have all of their fall activities and sports.  We will have to wait until after all of the fall activities are over, then we will take care of our finances.”

After the fall is over we cannot forget about the holidays.

“There is just too much going on with getting ready for the holidays.  During the holiday season this is the worst time to attempt to fix my financial situation.  I was thinking about making this my New Year’s resolution anyway.  Let’s wait until after the first of the year, then we get to the business of cleaning things up.”

When the New Year begins, however, there is a problem.

“This year we spent too much money on Christmas and at the same time we did not get a raise like we normally do.  I just cannot afford to go to a financial class or get help from a professional right now.  Maybe after we get our tax refund in the spring, then we will be able to get a handle on our money.

The tax refund comes in, but:

“I know we keep putting this off, but we just got our tax refund and our car that was already on its last leg is no longer functioning.  So we had to get a new car and that has almost ruined us financially.  How about we wait until the kids are out of school and summer starts, and then we will start working on our financial situation.”

As Zig Ziglar says, if you wait until all of the lights are on green before heading into town, you will never leave for town.

If you are tired of making excuses then now is the time to take control of your finances.  School has started and Labor Day will be here and gone in one week.  Take a moment and schedule your FREE 30 minute consultation today.  This is one thing that is not worth waiting for.



Justin Bennett

  1. This is a great example of the thought process behind doing nothing! Working with a financial coach gives you the push you need. Otherwise, you wake up at retirement age and wonder where all your money is. Do something now!

  2. I enjoyed reading this article. I can apply this to every aspect of life: money, career, health, relationships.

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