As I have traveled the nation speaking and teaching on personal finances, I have heard countless stories about people who have started on the path to get their finances in order, but have fallen off the wagon again.
The stories go like this …
We put together a budget, but it was not realistic so we stopped using it.
We stuck to our plan for five or six months, but then life happened and we got busy.
I would do this stuff if my spouse would participate.
I wish I would have known this stuff sooner. I wouldn't have to have a budget.
These types of stories drive me NUTS! Why? Because they are told with such despondency – like living in a financial mess is to be expected and inevitable.
Look, let's just admit that this stuff is hard, difficult, and challenging. Let's acknowledge the fact that it is frustrating, perturbing, and annoying to face our own financial mishaps and failures.
But then … GET BACK UP! Seriously! I refuse to buy the lie that "I'll always have a car payment" or that "my plans, hopes, and dreams will not be funded."
Neither should you.
Or your children.
Or your parents.
Or your friends.
Or your co-workers.
Or your neighbors.
As Zig Ziglar says, today is the first day of the rest of your life. It's time to get crackin'!