We have all faced times in our lives when we realize we aren’t doing what we should be doing. Financially speaking, this sentiment drives people into my office. Most often people realize they aren’t doing as well as they should or they simply don’t know what they should do.
Outside of my office, I know there are plenty of folks who simply hope for a change. They hope that a change in circumstances will magically come along and whisk away their financial concerns. I guess a piece of all of us can say that, but the difference between a dream and reality are two entirely different scenarios.
If we want our financial world to be better, we need change. Sure, winning the lottery would create change, but it’s not very likely. So, if you want change, you will have to go out and create it.
Growing up in a small town in Texas, I have seen many folks simply settle….settle for what they have and give up on becoming the best they can be (financially speaking that is). The ultimate goal shouldn’t be about monetary wealth, it should be about our total wealth, which includes our overall happiness and wellbeing. So, again money isn’t always the answer, but sometimes a better financial strategy can help us reach overall life goals.
A balancing act
I speak often with clients about the importance of balance. Maybe I could work another 20 hours a week and bring in more money, but what good would the money mean if I don’t have time to enjoy it. If I can’t spend time with my family, I wouldn’t be happy. It’s all about balance.
Along with striking a balance comes the idea of change. If we continue to do what we’ve always done, we’ll get what we’ve always gotten. So, if you have bad financial habits or can’t seem to get ahead financially, maybe it’s time for a change.
For years, I have told my children that “the road to failure is the one of least resistance.” They have heard this plenty of times to remind them that we must initiate change. For those who chose not to proactively implement financial change, they should not expect a different outcome from past experiences.
It’s hard
Making a change is hard. Experts say it takes between 3 weeks to 3 months to create a new habit, so it won’t be easy…..but it will be worth it. Since most financial “issues” are wrapped in a psychological shell, unwrapping the problem could be traumatic. If you want your financial picture to improve, you must take on the challenge and make a change.
Where to start
The problem of where to start is very common. Working with a fee-only financial advisor who is an unbiased third party is certainly a good starting point. An unbiased third party can see the picture without any of the emotion wrapped around the financial issues. Pull yourself up by the bootstraps and make a change….a financial change….a change for the better.
That’s an interesting way to look at things, there are certainly a huge number of pieces of software which can help you manage everything if you’re willing to sit down and actually set them up though.
Wealth Mgmt Software Guy,
Thanks for the response. I would be interested in hearing how software can help create balance ( beyond scheduling software…etc). I feel balance comes from perspective, which is something too human to capture from a software program.
I would certainly welcome your thoughts.
Thanks
Troy
Grat post. I waas checking continuously this weblog and I’m
inspired! Very helpful info specially the ultimate phase 🙂 I care for such information much.
I wass seeking this certain info for a long time.
Thanks and best of luck.
Also visit my website financial advisor job outlook
It may sound like a mission, but 20 minutes is not a lot if
you think about it. Looking beautiful doesn’t have to
be hard on your budget or the environment. But who has the time to go through all that
information.
Here is my webpage … elite Systems hair products
“And I can see you – Your brown skin shining in the sun – You got your hair combed back – Sunglasses on baby”.
‘ This means that while you are applying more tanner, your skin may not have completed its first round of tanning, and the end result is
an orange skinned mess. Social studies have shown that men and women both view a tanned body as being healthier
than a tanned body, but it is worth bearing in mind that
if a sunbed is used for more than the recommended amount of time, there is likely an ugly truth hiding behind apparently
healthy tanned skin.
My website chloe sims starship nike tan boots
There are many type of taxes in this era, and the one that we are going to discuss is the BR.
In this article I guide the students that how they can pass the exams and how can they get
the certification for the latest knowledge this certification exam students click at accounting firms uk or visit its Limited
company formation in uk its better for your bright future and will helpful to attain the
IT certification for more information touch with me. If
you don’t have the funds, can you borrow from friends or relatives.
My web-site – john costello james and surman Boca Raton CPA
The demands of the more mainstream content, such as Facebook and blogging,
can leave little time for these extras, and it’s important
not to become so buried in online activities that you steal time away from your core business.
Many webmasters, or even just bloggers, have come to use the capabilities of SEO to increase the
quality and quantity of visitors visiting their website or
blogs. You could offer this free chapter as a bonus for signing
up to your newsletter.
Feel free to visit my blog; long Beach Marketing jobs
This herbal solution will help you achieve picture perfect hair once more.
To get hair loss reviews for both male as well as female hair loss
treatments along with extensive advice ensure
that you visit is a fellow sufferer of hair loss and
highly recommends the revolutionary Hair – Max
Laser Comb to stop thinning hair. light of one wavelength, not of an entire spectrum
like a light bulb.
Feel free to surf to my homepage … low level laser therapy hair loss cap
Before rushing into any financial decision, research all the options available and find what payment
option is best for you. You should also allow a minimum of
36 inches of counter space to the right and then 30 inches to the left of the range
and sink, if possible. This is the most deciding factor
before you proceed forward.
Here is my page fix blount plumbing pompano beach
The questions you should ask your plastic surgeon before rhinoplasty should be about
the safety of the procedure, its efficiency,
and most importantly, its appropriateness for your body and whether it would offer results in line with your expectations.
Normally students can finish their nursing degree through this program
within three years, in which the first year will be devoted to entry-level nursing course work.
Unlike other muscles in your body, your facial exercise are connected as skin and
bone, forming a cushion for the skin to relax.
my blog post; Heidi Montag
Techniques and trends like branding, managed care contracts, practice ownership, and sales have not been as affective (Beckman).
The final large expense SEO creates is tracking and analyzing data.
It is better not to ignore Word – Press SEO training as
it is very much necessary to be successful online.
Here is my site … internet marketing long beach
For those who qualify it can be the optimal solution, however, it
is important to note that not everyone qualifies for the Offer in Compromise
solution. It is important to contact an attorney with property
tax law knowledge in Minnesota including knowledge of property
tax refund, income property tax, property tax court,
appeal property tax, tax property consultation, an d more.
This is an agreement with the IRS to settle your debt by paying
less than the full amount.
Feel free to visit my web blog :: Boca Raton CPA side