Stop Talking About It And Be About It
“One day I am going to make a budget.” “One day I am going to start saving for retirement.” “One day I am going to stop spending so much money eating out.” How many times have you said either of those statements? Many of us have plans to do the things that we know are good for us. We have attended seminars, read books, and watched DVDs and/or videos. However, we still have not taken the steps needed to make those positive changes in our lives.
We procrastinate and say, “I am going to start next pay day, next month, or next year.” We feel that now is not a good time. We tell ourselves that if we wait, then we will be more committed. Or when we have all of our ducks lined up in a row, then we will be successful. Or we don’t want to start and then stop, so we will wait until the time is just right. Sound familiar? We mean well but there is one problem. Good intentions alone will not get us what we desire. They will not help us to achieve our goals.
Did you know that if you save $25 per week, at the end of a year you will have $1,300? Or if you add an extra $50 per month to a credit card payment or bill and do not add any more debt to the bill, you will decrease that bill by an extra $600 at the end of a year. $25 or $50 may not sound like a lot but over time it can add up to a significant amount. Do you have an extra $25 or $50? Can you find an extra $25 or $50?
You are potentially giving up $500 – $1,000 or more by thinking about what you should do instead of doing it. Isn’t it funny that most people usually don’t have to think about whether or not they are going to spend more money or get into more debt? They just pull out their credit cards or use bill money. But when it comes to saving and decreasing debt, they have to think about it. Today is the day to stop thinking about it and start doing it. You know it’s going to be good for you. There is nothing to be afraid of. Would you rather have $500 – $1,000 in savings one year from now or be $500 – $1,000 more in debt one year from now? It’s up to you! Make a commitment and do it today. You will be glad that you did. All the best!
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