As we pack away our Christmas decorations, pull out our favorite stretchy pants, and breathe a sign of peace of yet another holiday season complete, many of us have set new goals and resolutions, and aspire to do better or be better.
Maybe we should rabbit trail right there, on the “be better.” New Year’s resolutions tend to look and sound like diets, gym memberships, quit drinking/smoking, get finances in order, and so forth. And all of these things tend to make one feel like they aren’t enough. But you are. You are worthy. You are enough. You are beautiful, just as you are.
As we let that settle in, there still remains the desire to get something in order. Personal finances are often found at the top of the list. Many of us may have experienced setbacks or challenges in the past, but it’s crucial to remember that we have the power to change our financial future. It’s never too late. You’re never too old (or too young). It’s never impossible.
It begins with desire.
What if…
You no longer were living paycheck to paycheck?
Your debt was eliminated?
Your savings was growing?
You had extra to help someone in need?
You could start saving for your child’s college?
Your retirement account was multiplying?
You could help out with long-term care for your aging parents?
Here are a few tips to encourage you to break free from poverty mindsets, face your fears, and create a life of abundance.
Tip 1: Confront Your Fears and Kick Them to the Curb
Fear is a powerful emotion that can hold us back from taking the necessary steps to improve our financial situation. Feeling fear is a natural human condition, but we must remember that we have a choice. Fear is a liar. Ask yourself, “Is this fearful thought true?” Fear keeps us stuck in the same cycle. Stepping out in faith may feel uncomfortable (because it is new and different) but it liberates us.
Tip 2: Be a Willing and Coachable Student
Being good at something requires being a student of it, which means ongoing learning and growth. Knowledge is a powerful tool in escaping the cycle of poverty and in building wealth. Invest in yourself and be willing to be coachable. Attend workshops, read books, and seek out mentors who can guide you on your financial journey. The more you invest in yourself, the more you can invest in your future.
Tip 3: Set Clear and Achievable Goals
It’s essential to set clear and achievable financial goals. They don’t have to be huge goals. They can be small baby-step goals. Define what you want to accomplish, whether it’s paying off debt, saving for a home, or building a retirement fund. Break these goals into smaller, actionable steps, and celebrate your progress along the way. Having smaller milestones will help you stay motivated. Having well-defined goals will help you stay focused.
Financial freedom isn’t about being rich. It’s about having peace and freedom to make choices. It’s about being able to care for your family and friends. It enables you to give to those in need. It puts you in position to be a blessing.
Don’t let another day go by under the shadow of financial stress. You deserve Joy. You deserve freedom. How can I help change your financial life in 2024?
