How often do you feel like this?
What does that ball represent for you?
Lack of resources?
Shame or embarrassment?
Those are all very good reasons, aren’t they?What if pride, fear, shame, hopelessness were no longer a cop-out? What change could you make in your life? Click To Tweet
Go back and read that again – yes, I basically called those things excuses. Because it’s so much easier to make excuses than to actually DO something towards making a change, isn’t it?
“What could you do if failure wasn’t an option”
This is a common question and I hate it. I hate it because we are not mentally wired to look at things as if failure wasn’t an option. Well, at least I am, anyway. Failure is always an option because most of the time you have to involve other people in your plan. When you do that – well, you have to be 100% sure they are all rowing together and not trying to be an anchor – or drill holes.
So, there is always the chance for failure. But in order for to overcome THAT part of making change, you have to first deal with YOU –YOU are the only one who can decide to change, create the plan to change and initiate the steps to change. Click To Tweet
Ready to make a change? Here’s how you get yourself past all the excuses, based on my own experience – (so, if I can do it, you can too!)
PRIDE – There’s nothing that made me PROUD to live paycheck to paycheck and always be stressed about money. I was NOT proud of the financial situation that my husband and I had gotten ourselves in to. It was our fault. Sure, “emergencies” came up but we weren’t prepared for those. Sure, we made the decision to buy a brand new car, then a brand new house and then a brand new truck within two years. Yes, we thought we could “afford the payments” . Pride is overcome when you realize that you are NOT proud of your current situation (financial or otherwise) and you WANT to be proud. What situation do you want to be proud of in your life?
FEAR – Repeat after me, “FEAR IS A LIAR”. DO it again – “FEAR IS A LIAR”
It is NOT OK to be afraid to change your situation. IF YOU DON’T CHANGE, IT WILL NEVER BE FIXED.
In his book, Crash the Chatterbox, Steven Furtick talks about fear: “because the voice of fear is so hard to isolate, let alone eliminate, many of us assume we have no choice but to surrender to it.”(p. 95) But we DO have a choice – cop out and give in, or overcome the fear – tell it to go away.
Even though its been five years, I very clearly remember having to complete our Debt Snowball. First, I had to gather up all the bills and check my credit report to make sure I didn’t forget anything. Then, I had to log in to each account and get the TOTAL BALANCE OWED. (Because, you know I didn’t know that off the top of my head – no way I could when my head was in the sand). It was an arduous task that became more difficult as I began to realize the severity of our financial situation as I wrote down each balance.
By the time I was done, I had a list of 9 debts – 2 car loans, 6 credit cards and my student loan – that totaled $43,544 which at the time was more than 1/2 of our annual income.
Was I scared? Of course, but KNOWING what I was dealing with helped me put together a plan of action. Click To Tweet
LACK OF RESOURCES – ok, this is totally just an excuse. Google anything you want to change and there are a million and one resources out there to help you. My resource was Financial Peace University. If the thought of sittting in a class for 9 weeks scares you, then find a financial coach to help you one-on-one. If googling is too overwhelming for you, post whatever it is you want to change on social media and someone, somewhere will chime in to help you or give you a resource.
SHAME/EMBARRASSMENT – There is NO shame in asking for help. There is no need to be embarrassed. In my 20+ years of my own financial management journey and the past two years of being a financial coach, there’s not much I haven’t done myself or heard about from my clients. Once you find other people who have “been there, done that” you will feel less ashamed and less embarrassed. I personally know this to be true.
HOPELESSNESS – There is ALWAYS hope, regardless of the situation. If you cannot find hope, find someone who can find it for you. Find someone who believes in your desire to change and can believe for you until you can believe for yourself. YOU have to take the first step and find those people.
What change do YOU want to make in your life?
What did the ball in the first picture represent for you? f you are ready to eliminate the excuses, then you are ready for change. You are ready to feel more like this:
I believe you can do it! Why? Because we paid off that $43,544 of debt in less than 4 years. Because we LIVE a debt free life. Because I made the choice to change and everyday I maintain that change.Let NOTHING hold you back from making the changes you know you need to make - Click To Tweet