After much consideration, I have decided to implement a "no excuses" policy for all financial counseling.
I am THROUGH with hearing people who are making $100,000 a year saying that they can't afford to save for retirement. I am THROUGH hearing people who are making $50,000 say that they just don't make enough money to save for their children's college. I am THROUGH listening to people who are making $45,000 say that they can't give any money to their local church. I am THROUGH listening to people who make $200,000 a year who have a pile of debt and say they just don't make enough money to be debt free. I am THROUGH hearing the lame excuse that "they have had to do without for so long that they just are not willing to wait anymore".
BOO to you! Down with you!
I am implementing the "No Excuses" policy because:
- I know people who make less than $25,000/year who are debt-free except the house, are saving money every month, and will pay off the house within the next decade!!!
- I see the $150 cable bill, the house payment that is twice as large as any financial planner would advise, the $300/month of dining out and an unwillingness to change any spending behavior. Someone has to deliver the bad news that something has to change in order to win financially!
- Excuses are just lame ways to avoid the FACT that ALL of us have misbehaved with money! I have been there, and I came up with the best excuses known to mankind!
- It is time to face reality and make the hard decisions! Nothing changes until someone decides that the "pain of same" is worse than the "pain of change"
- You can do this, and excuses will just delay the actions that are necessary to win. I don't want you to have to deal with the stress another SECOND! I want you to have a plan that will help you win financially. Excuses just delay that from happening!
What decisions do you need to make? Is that HUGE boat payment worth it? That HUGE house payment? That HUGE car payment? Those HUGE car paymentS? Is the HUGE dining out bill worth it? Is the STRESS worth it?
I believe it is NOT worth it! I am on a CRUSADE to help others out of the "keep up with the Jones'" mess! Won't you join me?
Oh yeah, I just want to say it again … I know people who make less than $25,000 who are debt-free except for the house, are saving money every month, and are going to pay off their house within the next decade.