“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!

aol-logon-window.png

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.

Advertisements

Just One More Level…(okay, maybe one more)

“Don’t waste your time chasing things that will never be beneficial to your future.”

April Mae Monterrosa

I used to consider myself a gamer. I love RPG (roll playing games) like the Final Fantasy series or The Legend of Zelda. Knowing this, my wife purchased “Twilight Princess” for Playstation 4 for me for Christmas one year. I thought it was a great gift, finally a game for Dad! I began playing immediately and was automatically hooked. Graphics were great, controls were easy to use, and the story line was exhilarating.

It was also LONG. I played this game every night for two to three weeks until victory was finally mine. The end of the game is always satisfying when it’s been challenging, and I considered that game formidable. I watched the cut scenes glassy eyed, satisfied with the long, hard, magical quest that Nintendo had programmed just for me and considered myself quite the champion. I could sleep knowing all was well with the world. Until….

Programmed into the game is also a timer to tell a gamer how long it took play to the end. Much to my surprise, my time came to a whopping FORTY HOURS! Reality suddenly started crashing down around me. I couldn’t believe it. An entire work week was spent after I got home from my real job to play a fantasy game that was both entertaining and fun, but didn’t change my life in the slightest. There was no education, no Bible reading, no growing closer to my wife and kids by acknowledging they exist, no contributing to the common good of man; it was just a bunch of pixels on a screen which fed some chemical high I had at the time. I don’t think I’ve played video games in quite the same way since.

I started this journey, by taking the time to look at my budget, and it revealed a couple of areas where I needed to spend some extra time. I was able to see exactly what my monthly costs were individually. Cell phones and car insurance were crazy high at $173 and $228 per month respectively. I needed to lower those numbers and I’ve covered cell phone charges in a previous post.

On to a different insurance broker to get a new rate quote on car insurance to save some money (I realize how much that sounds like a Geiko or Progressive commercial). All I needed was a declaration statement from my current provider to send to those providing the quote. Once it was sent, I was glad I did, because I found a local business that provided a quote that will save me not only $500 on my car insurance per year, but another $100 on my mortgage insurance per year (with more coverage). That’s an extra 50 bucks a month in my pocket! Changes will be made as soon as possible.

Most people, when they see their expenses monthly, simply see a number that is going to decrease their income and whatever is left is considered “mad money.” Money they can just spend. They’ve done their due diligence once, and maybe at one point in life the costs to do business to comply with the law, like car insurance, is acceptable to pay, so they do so happily, and that’s great. Then years slip by, as masses of people are being entertained, or chasing some high, like me, before they realize that there’s other companies out there that might give them a better deal.

Successful businesses understand time is money. Why can’t we as individuals? Every single day, countless numbers of people are zoning out through watching television, playing video games, trolling social media and not paying attention to what time it is, or how much time they’ve spent being entertained, rather than expanding their minds or doing something more productive. Turn off the TV. Make a budget. Call another company. You might be glad you did.