We are now at the end of the 1st quarter of 2019 and for some, if not all of us, our New Year’s Resolutions have gone right out the door. What about you? Are you tired yet of that diet you wanted to commit to? Are you tired of working out every day? If you’re like me, you are!
But what about your financial resolutions? How are you doing with those? Are you still keeping up with putting some money aside for an emergency fund? I sure hope so because everyone needs one of those. And I hope you are still sticking to that budget you made out at the beginning of the year.
I get how things tend to slide away from us when we aren’t thinking about them most of the time – we get bored with things, we forget to write down an expense and we get surprised by it or we had a bad day and just decide to quit. If any of these are you then the main thing you need to do is just get back up and pick up where you left off.
So what if it was boring, or forgotten or a wrench was thrown in your path? You can’t just quit doing what you started out doing and throw it all away. Just think of the time you spent working to get it all together – time is money and you can’t just step away from it and hope that things get better. It simply doesn’t work that way and we all know that saving money and getting our finances in order does take some work.
Will it make you feel better to know that I have done a terrible job this year with my finances – yep, it’s true and that’s exactly what prompted this email to you. I was looking at my bank statement yesterday and realized that I had eaten out almost every day for the past 3 months! Are you kidding me? That can eat up your finances quicker than anything – and I just wasn’t paying attention to it.
There are a couple of reasons this happened to me. Since my husband passed away last year it’s been hard for me to learn to cook for just one person again. But, I am figuring out that I can still cook for two and just take what’s left over to work for my lunch the next day. Easy and it was right there in front of me the whole time. I just didn’t do it.
Another reason is that it made me kind of sad when I knew I was only cooking for myself now. I missed having him there to cook with me, eat with me and then clean up the dishes with me. I didn’t like the feelings that came with doing it all alone. That is still something that makes me sad, but I have to work through it and learn to do things alone even when I don’t want to.
The last reason is nothing more than sheer laziness. I was too lazy to walk in there and cook something when I could pick something up on my way home. It was so much easier and then I didn’t have to deal with dirty dishes or anything. I could eat and trash the containers and be done with it all.
Needless to say, with me not paying attention to that stuff really put a dent in my checking account every month. So, I had to step back and regroup – maybe the same as you are doing right now too. It’s not fun, but we’ve got to do it to get back on the right track with our spending and our saving.
Here’s what I did. I started from scratch and wrote out my budget that I needed to stick to. I only did it for 3 months (next quarter) to begin with and then maybe a month or so in I’ll do it for longer. But I knew I had to set some small goals for now and then move on to the bigger ones.
You can and should do the same. Don’t think you’ve failed or anything, we all are just here doing the best we can do and sometimes we don’t do it exactly the way we plan and we have to have a do-over. Those aren’t always a bad thing. We’ve all learned a lot since we started so back up, write it all down and start again – with smaller goals. Goals you can achieve and goals you can reach.
We’ll do it together! Let me know how you’re doing or if there is any way I can help you. I’ll do what I can to help you reach all of your financial goals!
P.S. If you need help getting started, pick up Creating a Savings Plan for less than a $1 and let me know what you think!