Archives for 2014

Yup, it’s that time of year again

After the holiday eating and shopping orgies, many of us start to think about our behaviors. We resolve to make changes in the coming New Year. We promise ourselves we will do things lik

  1. eat more healthy food
  2. exercise more  and
  3.  get our financial act together.

 Oh those resolutions!!!

I admire women and men who make these resolutions. They  know there are problems They even know what the problems are. And they know how to fix them. They start to eat better, exercise more and maybe even pull out a piece of paper, or go online to start to develop a budget.

But most do not stick to this discipline.

Well, they are human, after all. They, like me, yield to the temptations of dessert, if not the other pressures of daily life. They are imperfect like me and maybe you.

What’s a human to do?

Hire someone. Get a professional to guide you and keep you ON TRACK. That professional nutritionist, trainer or financial advisor has the knowledge and experience to start you off right. S/he will explain the basics and then help you implement them–by telling to you focus on your core and/or your bottom line.

You are more likely to take her/his advice and become more disciplined. S/he will give you easy steps to take. And since you feel accountable to someone besides your (sweetly imperfectly human) self, you are more likely to stay ON TRACK and achieve some of the goals you have set for yourself during the next year.

Try it. You will be glad you did

 

But, if you need a little nudge, here’s  a stimulus. It is a free quiz developed by a University. (Yes it is from New Jersey, imperfect at it is. Those of us from N.J.–like Jon Stewart and me– really do have something to offer.)

So click on this link to take the absolutely FREE quiz. Then re-read this post and see if it is time to call a professional and really make a change for the better. 

What are you waiting for?

Procrastination. It is soooo human. It is sooo seductive. If we  just put something off, we feel like we don’t have to stress about it. But, if we delay, dawdle, postpone, ignore, we actually deceive ourselves.

Why? Procrastination is magic. It is based on illusion. 

Illusion?

Yes. Because  you think that it costs you nothing to drag your feet.

But procrastination is amazingly costly!!!!!!

The longer you wait, the more you lose. The longer you dawdle, the more you squander your self respect.

This is especially true if you put off focusing on your money and its role in your future. The longer you wait to take steps to improve your finances, the more money you lose.

Good news. If you stop procrastinating, you could have your money working for you. Your Hot Flash Stash of Cash could be building up for you.

Bad news. If you continue procrastinating, for instance ignoring your credit card debt, you will squander amazing amounts of your money on interest payments and fees.

Sooooooo………….Stop procrastinating. Start to take control.

If you, yourself,  can’t get past the seduction of delay, (and can’t DIY within a month of reading this), consult a professional.

Conferring with a professional should not be a strange idea. After all, you turn to a professional to cut and style your hair, or paint your toenails. You go to  a professional to take care of your teeth…….So, if you don’t floss daily, that dental professional can help you, no matter how challenging the problem.

Your money challenges, right there on your procrastination list, can be deftly handled by a trained, experienced professional.  S/he can clarify what you need to do, give you a set of steps to take, and support you while you get you get your finances under control. And s/he can help you with that huge challenge– having enough money to pay for everything you need for the rest of your very long life. If you want the dignity and self respect that financial security brings, it is time to consult a professional.

So what are you waiting for?