“It’s Not About How Hard You Hit, It’s About How Hard You Can Get Hit…and Keep Moving Forward!”

Since beginning to log our journey to keep ourselves accountable there have been several ups and downs emotionally, spiritually and mindfully, and it’s only been a week!

Starting good behavior does not negate the effects of bad behavior over years. My family and I are broke because we’ve been behaving how broke people behave for way to long. Spending more than we make, not sticking to a budget, spending money meant for savings or emergencies, eating out all the time and just not paying attention took us nowhere fast. Even though we are now seeing correct mindsets and practices toward financial changes, we are not seeing the immediate results that we would like. Saying you are saving $720 a year is noticeably different than having $720 in your bank account now. Duh…It takes a year!

Time isn’t the problem, time is going by whether we like it or not. Our attitude is the problem, and we know it. We’re impatient. Most of us, if we are honest, quit when we don’t see immediate results. We’ve all heard it before, we live in a microwave society; but it’s more than that isn’t it? We live in a wifi society! We live in a microprocessor society! No more dial up! I honestly believe as a youth it may have done my character good to see the little guy on AOL frozen in time for a couple of minutes as I listened to the irritating screech and whir and hum of a dial up modem trying to connect to my mom’s old phone line. Today…I would go bananas to endure that!

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We are taught in school that sums and products are immediate answers: 1 + 1 = 2, 2 x 2 = 4 and so on. I cannot remember a time however when someone taught me 1 + a month + a week + 1 = 2, or 2 + a day + effort x 2 = 4. Time was never factored into the equations we were taught in school, but there it is…time…staring us in the face. Ten years may as well be an eternity when a person thinks of the financial peace they would like to have when it ticks by mere seconds at a time. Those seconds are also the very thing that robs a person when they sit and wait because they feel powerless, or it takes to long. People are waiting for something to happen instead of making what they desire happen over time.

Inaction and time are a troublesome combination. Passivity keeps us from setting goals and pursuing them. Because no goals are set, when hard times happen, it’s easier to sit down, throw our hands up and say “I quit.” When the bill collector calls after the mind has been set to do better, it says, “sit down, take it easy, try again tomorrow.” It is the voice that whispers, “Monday is a good start day, do it then. For now, eat a taco, you deserve it.” Tomorrow and Monday will come! Is reaching the goal any closer?

Is the destination you’d like to be at nearer? No trip is taken without a person’s mind being fixed on it. When it’s written down with an expected time line it starts to become reality. How many places have we never been to, but because Maps had a documented route and how long it took to get there, we traveled with ease? How many times have we thought about going somewhere, but weren’t truly excited until we hang up the phone after making reservations? But did we sit down and wait for vacation time? No! The trip might be a month away but we automatically started preparing for the it! How? We ask questions of what we might need. We do our research to see what kind of help may be needed while we are there. We save money, we write down the activities we want to do on our trip. We don’t sit idle! When we do sit idle, we may miss opportunities to enjoy something we otherwise would not.

“What keeps me going is goals.” Said the late Mahammad Ali. Who better to understand that if a person has goals, they will strive to meet them? muhammad-ali-in-action.jpg

People who have goals will rise up in the morning to chase them, even when it doesn’t look like there’s any hope. They will run after it even when their legs hurt, when they are miles away from their destination, when they fall down, and when a mountain is in their way. They will fight for their goals even when that mountain is ready to crush them. They are unstoppable.

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Staying Constipated…I mean, Consistent!

Certainly constipation is what I would call my cash flow right now. It’s not going up, but most importantly, not going down. Part of what I’m learning through this fairly new process is that it’s going to be slow going. VERY. SLOW. GOING.

My problem is I’m too impatient. I mentioned in a previous post that my wife and I have been through Financial Peace University. Props to Dave Ramsey I give of course, his program was an answer to a prayer I had years ago. Again, I’m too impatient. K (my wife) and I were talking the other day, and I found that a big part of my problem is I want this hard, painful, not knowing what to do next part to be over. It feels like we’re starting all over again and we should be so much further than where we are right now. I’m finding the only thing I can do now is sit and wait on the next paycheck to come in so I can pay more bills, and try to maintain what I consider the meager balance that is in the account. Sitting around does little for one’s patience.

I have found that I am a highly analytical person, I find it difficult to move on to one task when another is left unfinished. A task unfinished, for instance, is not having enough saved in my checking account to cover an emergency if needed. I get stuck, and I pour over it and worry over it until it drives me crazy. So occasionally, I have to step back, sometimes I have to break down, or work out, or go running, or just have a good blubber on my wife’s shoulder. Stress relief I’m finding is a must these days, so I decided to write a blog about it.  It helps me analyze the situation and sets in concrete accountability to whoever may be reading this. It sounds like an analytical solution to me.

We do of course, in the midst of discouragement, have to move on. One cannot sit in the dark and pout, or drink, or take pills, or eat, or do whatever escape one craves. Life must be lived, money or not. So I have tried to start developing some habits that people who do have money have developed. Besides writing about it, another habit is to read or listen to some kind of instructional wisdom or advice, at least 30 minutes, or 10 pages, every day. It’s a habit developed by wiser men than I. A presidential hero of mine, Teddy Roosevelt, was hardly seen without a book during his administration. Dave Ramsey talks about reading nonfiction books consistently on his radio program. Even Mark Zuckerberg has set a goal of reading a book every two weeks according to Business Insider. If it’s good enough for them, it’s good enough for me. The most recent book I have found is an audio book I listen to by Darren Hardy. It’s called “The Compound Effect.”

img_1821The premise of the book is that small, minute, almost minuscule good habits done consistently enough times over the course of time will lead to a person’s ultimate goal. Small steps like avoiding vending machines, not buying the kids McDonald’s for the fifteen hundredth time, and spending less than you make will eventually lead to a trimmer waistline and wealth. While if you did those same repeated habits negatively over the course of a lifetime, it could leave you fat…and broke. I’m closer to the fat, broke guy right now with my habits.

The catch for me: It takes a long time. It takes work that no one sees until it’s suddenly just there, but it takes a long time for that to happen! I’m impatient, remember?

This whole situation feels constipated, like nothing’s moving, “icky” as four year old daughter might say. Consistency, that’s key. I’m willing to take another rich guy’s word for it. My bad habits have gotten me where I am today. If I want out of the situation of living paycheck to paycheck, I have to do things differently. I have to start making better decisions and forming better habits to start building some kind of wealth for my family’s security and our dream of not only living well, but giving well. I have to do a mental flush if this constipated time of life is ever going to end.  Until then, I’ll just have to live life consistently well, maybe bloated, but consistently, for now.