Change is usually uncomfortable. But from that discomfort comes growth.
Just ask my clients.
They come to me frustrated and wanting more out of their current financial situation. They work hard for their money and don’t feel like they are getting rewarded for their efforts. Often they have credit card debt, student loans, a car loan, and a mortgage. These are all common debts and my clients want to feel like they are working toward eliminating them as fast as possible.
That’s where financial coaching can help.
But first, before we work on creating a plan, I want my clients to appreciate what they have today. Yes, debt sucks. Yes, making more money would be great, but let’s focus on your health, your family and friends, and the roof over your head – the things you have right now that you can and should be thankful for.
I can show you how to get from where you are today to where you want to be with less debt and more savings, but it starts with believing what you already have is enough. We all want to win the lotto or fall into a boatload of cash, no questions asked, so we can upgrade our lives and our possessions, but that’s just not going to happen. You will need to work to create the life you want. There will probably be sacrifices along the way. And it will all be worth it.
Here are a few of my tips for loving what you have, even when you want more:
- Be grateful today. There’s something for which you can be grateful today. Let’s start with the fact that you have a job and a roof over your head. Plenty of people don’t even have that, so be grateful that you do.
- Ask for help. Everyone has hit a rough patch in their life. Stop blaming yourself and trying to fix it yourself. Ask for help. It doesn’t mean you’re weak. It means you’re ready to change your situation.
- Embrace change. As you’re working on your budget, I want you to like the process. You’re an active participant in your financial success. Believe me when I tell you I’ve seen people come out of what seems like insurmountable debt to financial success. The process is never easy. All I ask is that you embrace change.
- Reward yourself. Along the way you’re going to hit goals that we set. You’re going to pay off a credit card or a car. It might sound crazy today, but my clients will tell you it is very possible. Reward yourself with a special treat like dinner at a restaurant or that pair of jeans you’ve been wanting. Don’t overindulge but take time to recognize what you’ve accomplished.
- The joy is in the journey. Here’s the good news and the bad news. Working with me, you’re going to pay off debt, increase your savings and probably even create bigger financial goals. There will even come a day when you have extra money and will have to make fun choices like to do put more toward my mortgage payment or invest more money. I encourage you to embrace and enjoy the journey.
You’re always going to want more for yourself and your family. And you should. The balance is found when you set goals, celebrate meeting your goals, and then start working a whole set of new goals. That’s where Fiscal Fitness can help you.
Schedule a Eureka Session today to learn more.