90 Day Wake Up Call
One Simple Change
Do you want to know what is crazy? Today is the first day of Spring! Today is March 20, 2018 and we are almost 25% of the way through this calendar year. I blinked and just a few days ago, we were putting Christmas decorations away.
Time continues to march forward and before you know it, we will be celebrating The 4th of July, it will be 100 degrees outside and another three months will have ticked away on our calendar.
This isn’t intended to be a downer but – hopefully – a little wake up call. Remember all those New Year’s Resolutions that you made?? Lose a few pounds. Eat healthier. Get those finances in order. It is time to dust them off a little bit and get rejuvenated. It isn’t too late to start – take this as a helpful kick in the pants!
No one really enjoys putting a budget together. It hurts a little bit and we are all kids at heart – we don’t like being told “no” to something that we enjoy. We don’t want to be told that we shouldn’t go out to eat so often or spend money on the boat. If you aren’t any closer to hitting those financial goals than you were 3 months ago, it might be time to do a few things differently.
I attended a networking meeting earlier today and I sat next to a nutritionist. I asked her how her business was going, and she said that business was starting to heat up a little bit for her as people were starting to think about getting into “swimsuit” shape and her phone has been ringing. She made a comment to me that really resonated with me and I think that we can apply it to our finances – in the same way that she meant it regarding nutritional health; she said that she encourages everyone to make just “One Simple Change”.
Nothing drastic – just one simple change!
I like that idea. Instead of trying to fill your life with all the changes that may need to be implemented to get your financial health in order, try making one simple change!
Here are three suggestions for you to implement in April to get the ball rolling:
- Try taking a restaurant “fast” – Restaurant owners may not like this idea, but it is a great way to save money over a given month. Try to spend 30 days eating only at home. Pack a lunch for work and see if you can make it 30 days without spending money at a restaurant. You will be amazed at how much money you will save.
- Are you planning a vacation this year? If so, start putting back a little bit extra for your trip. Even saving a couple hundred dollars will go a long way on vacation. The best vacations that we have taken have been the ones that we paid for – in cash! No lingering credit card bills to pay for months after my tan had faded!
- Sell some stuff. Lots of people are jumping all over the “buy/sell” sites and for good reason. We all have a basement full of stuff that needs to go, and it is a great way to make a few extra dollars too. Don’t have time? Ask a friend to help you unload some stuff. You might be surprised how much you could get for that old dresser in the basement or those toys stored in the garage!
Don’t look at the calendar and give up. Take a deep breath and make “one simple change” and see how much this can propel you toward your overall financial goals.
If this seems overwhelming to you but is something that you have been thinking about for a long time, give us a call and schedule an appointment. We are experts at it and will be happy to offer you some basic direction and advice. It is what we do at Hollander & Associates.