I’m about to throw a little Funk into your financial framework. (And yes I can capitalize that because I am a little Funk. 5’0″ of Funk to be exact.)
Well, I got good news…..and I got bad news.
The good news. Your money Funk has very little to do with the dollar amount in your bank account.
The bad news. Your money Funk is most likely all about you.
Here’s the deal-i-o.
If you want to change your finances, you have to change YOU.
If you are playing yo-yo with your cash and credit cards you will never get out of your Funk and get ahead.
You know just like the third break up in a row that ended exactly the same way……That left you thinking, what in the world is the deal?
Just like THE entire day I dieted and still didn’t lose my five extra pounds.
I’m sorry to have to tell you this. I’d totally hold your hand and look you in the eye with compassion as I told you this if we were in person together.
But uh, yeah, It’s totally you.
You are the one that is allowing wrong decisions to be made with your finances. You are the one who is not demanding an appropriate and reasonable relationship with your money.
You are the one that wants your finances different but then agree with your husband that you should go out and buy a new truck because he wants one even though you were just complaining that the bills seem to suffocate and you’re sick of not feeling like you have the money to do anything fun. THEN, you even get excited about it and convince him he needs to buy the luxury package.
Oh and you, you are not off the hook just because you don’t feel like starting another argument discussion with your wife about the $200 Target trips every week and the $300 Macy’s bill when you agreed to work on getting debt paid off. It’s you that doesn’t allow her the ability to be fully involved in the finance process so she rebels doesn’t do what you told her.
And you…. You’re lonely. So instead of paying off debt and building up your savings you go treat yourself to dinner and a shopping trip involving nice jewelry instead of facing the real issue going on inside of you.
I’ve totally been there by the way. That peridot cross necklace was beautiful. I even used the most lamented response ever to the sales associate when she asked if it was for something special, “I work hard and I deserve to buy myself something nice.” Wow.
It’s amazing that I spent years incurring small debts, saving trivial amounts, and putting away slightly anything for retirement isn’t it.
Oh….Yeah…..no that’s pretty obvious what was happening there.
Eventually I did have to fix me. Eventually you’ll have to fix you too.
It won’t always be easy to deal with the discussion instead of the debt. It’s won’t always be easy to deal with the emotions you are trying to fill with your new piece of jewelry. And it won’t always be easy to deal with the pouting husband that didn’t get what he wanted as you gently remind him of your mutual dreams and goals for your life together.
But it can be done. You have to start being honest about the decisions your making if you want to be elsewhere.
You have to walk away from financial mistakes of the past and start walking forward to your financial successes of the future.
Come on, I’ll meet you at the fork in the road and we’ll walk together.
What’s your fork that keeps looping you back in the same financial circle? Let’s talk about it in the comments. I bet I’ve been there too.