Have you noticed the amount of people in your world that believe life happens to them? They’re victims of a rigged financial world that’s out to get them. They don’t see they have the power to change their financial destiny all by themselves.
Today, it’s as simple as making a different decision and doing the same thing tomorrow, and the next day. A whole of small, different decisions will change your destiny in huge ways! First, about laying blame in the right place.
In the first post for this site, I said that I was going to break the rules. In financial blogging you’re supposed to say that everybody’s situation is different and while that’s true to a point, for the most part, peoples’ financial situations are largely the same. They have too little money, too much debt, they’re stuck in a job they don’t really like, and they’ve lost all hope for any kind of bright financial future.
Take this in love because I care enough to tell you the truth: If the above describes you, it’s because you’re either not now, or didn’t in the past, treat your money with the respect it deserves or deserved. (Sadly, most of the people fall into both.)
We make money decisions based on our comfort zone. We will go into debt to not disrupt what we feel we deserve. We’ll get paid today and “reward” ourselves with a purchase, a vacation, or a night out that drains our checking account. The truth is, America is terrible with its money and all the stats prove it. Check out these stats on credit card debt.
I tore down so let me build up.
I want you to know that you have more power to change your financial world than you think. You don’t have to live the way you are for the rest of your life. You just have to change the way you think. You have to change the way you spend. You have to decide that you don’t deserve anything other than food, shelter, water, and a few other essentials.
You can drive a used car, you can buy cheap or used clothes, and you can shop at Walmart with a fist full of coupons. How much money would you have if you weren’t eating out? What if you didn’t have cable? What if Starbucks wasn’t an option anymore? What if you didn’t buy anything unless you had cash to pay for it? Don’t see it as a punishment; see it as an opportunity to live better later. Sacrificing short-term comfort for a brighter long term.
It’s about setting goals. It’s about taking a stand and saying that you’re done living this way regardless of how much short-term pain you have to endure as you change habits. It’s about saying that you’re going to show your children a new way to live. It’s about having the capacity to be generous to others with the money you have to spare someday.
Understand that just because most people live a certain way, that doesn’t make it right.
I love this video from Dave Ramsey. (Click the big image above or click here) He talks about this very thing. Your financial kingdom might look like it lost a war but it doesn’t have to stay that way. You can rebuild. Send me your questions below. What is it that you can’t figure out about your money? Let’s start rebuilding–or simply building–together.
PS…Build My Kingdom is all about helping others. Click below if you have a financial question that you’re wrestling with. I’ll answer it personally or point you in the direction of somebody who can.