If you don’t have a first grader who woke up at the crack of dawn asking to “Turn on the news! I need to see about Puxatony Phil!!!!!”, allow me to remind you that today is Groundhog Day.
I’m still trying to figure out how we know he saw his shadow, and what it might have looked like if he hadn’t, but that is neither here nor there. The Today Show reported pro-shadow and advised that we hunker down for six more weeks of winter.
For me, Groundhog Day is much more a reminder of a very funny Bill Murray movie than anything having to do with the weather.
As I thought about the insanity of living the same thing over and over and over again, (if this makes no sense to you, you really must watch the movie—so funny) it reminded me this is how so many people feel about their finances.
Doing The Same Thing Again & Again Will Make You Crazy
Albert Einstein said, “Insanity is doing the same thing over and over again and expecting different results.”
So, if you are spending mindlessly or impulsively, never entirely sure how much money you have or what it is doing,…
If you are always trying to time bills to paychecks and living just one surprise away from over drafting every month,…
If your debt is preventing you from getting ahead or pursuing the life that you want,…
Unless you make a change, you are always going to be stressed and behind and frustrated.
There Is No Normal Month
You might tell yourself that this month, this is the month you will get ahead. Except, the car breaks down, so next month. But you forgot about the insurance premium, and so on and so forth.
There is never a month that goes exactly as you plan, especially if you aren’t planning in the first place. Your finances will never just miraculously work themselves out, until you sit down, and make a plan to be intentional about what you want your money to do.
A Budget Is Freedom
A lot of people resist the idea of budgeting because they think it will be restricting or hard or too much work.
You know what is restricting? Living with debt.
You know what is hard? Never knowing if you are going to overdraft.
You know what is too much work? Trying to figure out what bill to pay first because you only have enough money to pay one before your next payday.
A budget is simply a plan to help you align your money with your priorities. It will help you make better decisions and be more prepared for the future. It will give you total control—to change your mind, to go out to dinner, to take that vacation, to pay down your debt, whatever it is.
You don’t have to just let life happen to you, cross your fingers, shut your eyes, and hope it all works out. You can design and live your own best life. It only requires intention.
Make A Change
Don’t let another month pass you by, sticking your head in the sand, and refusing to deal with your finances. It is making you crazy.
If what you are doing isn’t working (over and over and over again), then decide to do something different. By this time next month, you could be in control. Make a budget—sit down and think about what you want most, and make a plan to focus your money toward those things.
I hope next year Groundhog Day means something different to you—the day you decided to make a change.