Choose Your Hard

There’s no use denying it - adulting is hard. You have to go to work, make sure bills are paid on time, clean your house, make and keep a budget, cook, maintain a social life, and sleep.

For most people, one of the more difficult tasks on the list is budgeting. You have to take an honest look at your spending habits, which is terrifying enough on its own. Then you have to make the hard choices about what to cut and what to keep, and in what quantity. After you’ve made your plan, with stars in your eyes and full of motivation on a Sunday afternoon, you actually have to stick to your plan for the rest of the week, and month, and year. Your plan will change over time, but you actually have to stick to a plan for the rest of your life. And that’s hard. Thinking about the fact that you have to stick to it makes it even harder.

Do you know what else is hard? Living paycheck to paycheck is hard. Putting things on a credit card with 18% interest is hard. Not being able to pay for a $400 emergency is hard (hello, flat tire). Retiring with an extremely reduced budget after contributing 1% to your retirement plan for 30 years is hard. Putting your head in the sand about your financial situation, as overwhelming and dire as it may seem, leads to way more hard than owning it does.

When you own your situation you can make a plan that works for your life and your goals. You can either do the hard thing of making a plan for your money and sticking to it, or the hard of checking your bank account every time you walk into Target, paying interest on your credit card every month, and thinking of retirement as a pipe dream (or something you’ll start investing for when you’re 40 and hopefully making more money, eliminating the biggest thing on your side - time for your money to grow). The choice is yours.

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Do you need help coming up with a plan for your money? Do you have no idea where to start? Where to start is my specialty. Schedule a Q&A call today to learn more about coaching, or schedule your Money 101 session to dive in.