Thinking about your financial future and how to make it happen
As the end of 2023 approaches, we begin to think more about the coming New Year. We are currently about five days until Christmas and only 12 days until 2024.
Where does the time go?
Anyway, we begin to wonder what the New Year will bring. Good, bad, more of the same? However, I encourage you to not just wonder in passing, but to take some time in these next 12 days to sit quietly with pen and paper, your tablet, phone, computer, whatever you like, and dream about what you would like to happen in your 2024 finances.
Yes, I am asking you to take time to financially DREAM! Now, I am not saying for you to have thoughts of it raining hundred dollar bills or you swimming a pool of cash. I am asking you to…
D: Decide
First you need to DECIDE what you want. Ask yourself…“What do you want to do financially in 2024?” The answer might surprise you. And it doesn’t have to be the answer you think everyone wants to hear. This is YOU dreaming, so dream how you like. Jot down your thoughts.
R: Realize
Next, let’s REALIZE what is actually possible and feasible. What can you realistically get done? And let’s not misname something as impossible that is actually only hard. For example, you decide you want to get out of debt in 2024. Looking at your budget this means you will need to cut back on spending and possibly work a second job. This sacrifice will take time, energy and hard work, but it is not impossible. The question is…Are you willing to do it?
E: Educate
Once you have completed the first two, now you need to EDUCATE yourself on what it will take to achieve your dreams. What information do you need? Who can be an example for you? Where can you get assistance and/or encouragement for your journey? Learn as much as you can so you can make the best decisions possible.
A: Action
Get up and move! Make a plan to achieve your dreams and then…put it into ACTION! A dream stays a dream until you act upon it. Action is what gives your dreams life and transforms it into an achievable goal. Let’s go back to our example. Actions would be reviewing your budget for areas you can reduce or eliminate, making the changes, paying down the debt…living the dream consistently.
M: Maintain
Living the dream…consistently. You must maintain your momentum forward and motivation. That will not always be easy. Setbacks will occur, but you have to keep your “dream” alive. Plans usually require adjustments. Be willing to make them without getting and/or staying discouraged. Life rarely goes as we dream it. So be a river by staying fluid and flexible when adversity strikes.
Until Next Time♥…
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