You had your path to financial freedom all mapped out.
You were committed to the plan and marched in with a full head of steam.
The first 30 days came and went and then you looked at the results.
Ugh. Things didn’t turn out how you’d hoped.
Your budget was a mess and you overspent in several categories. You even ended up using your credit card as a crutch.
You then became frustrated about money and decided that budgeting just isn’t for you.
Well guess what? Budgeting is for you. The 9 Steps to Financial Freedom can work. You just need to give them a fighting chance.
This Stuff Takes Time
If you take a good look at your financial history, you’ll see that it took years to accumulate your debt.
Your financial habits, both good and bad,were forged over your entire lifetime, not just the last few months.
So why get bummed over things that didn’t go right after only a 30-day period?
True financial freedom is going to take much longer than 30 days to achieve.
Just as it took you several years to accumulate debt, it can take just as long to get out of it.
Your bad spending habits aren’t going to go away overnight. You need to work on them cautiously and meticulously.
To start, I recommend creating mini habits.
I learned the concept of mini habits from a great book by Stephen Guise.
Long story short, you want to start by making ridiculously easy habits.
For example, instead of overwhelming yourself by saying your going to fix all of your financial problems this month, set a mini habit on reviewing your finances for 5 minutes per night.
If you don’t have much time, at least you’ll do something and be more aware of your finances.
Hopefully though, you’ll spend much more than 5 minutes on your finances each day.
You should also constantly remind yourself of what your new financial future will hold.
Just imagine your budget without debt payments. How much money would that free up? How would you save it? What goals would you fund?
To achieve financial freedom, you may need to buckle down for a few months or even a few years. However, that sacrifice is extremely small when you compare it to the lifetime of freedom that you’ll achieve when done.