The Future Is Financially Friendly (I Promise)
Between those nagging feelings of financial inadequacy and the intense pressure to overspend, modern life can be tough to navigate. But with Hard Limits and Happy Spending, you know a way to survive that allows you to stop budgeting and start living and doesn’t make you want to give up on being financially responsible.
Now come the final pieces of the puzzle: implementing the plan and making it stick. For good. This is all about strategy.
Implementing new financial plans can be fun at first, especially when you’re excited about making changes. The hard part is making those changes stick after the initial rush of motivation fades. That’s why it’s important to design your new financial plan around your real life. Your plan has to be doable and, more importantly, it has to inspire confidence that you’re going to be okay financially in the long run.
I’m not saying it will be easy. Real life is tough and unpredictable, and dealing with money can sometimes be more aggravating than fun, even if you love spreadsheets. I guarantee you’ll have moments when you come close to saying “F*ck it.” You might even fall off the financial wagon completely and overspend on your credit card more than a few times. Frustration and failure are part of the financial journey. No one is perfect. The key is to get back on the financially awesome wagon, especially when it’s hard. Confidence in your financial plan and abilities and the knowledge that your goals are realistic make it easier to dust off after the lapses and climb on again.
Staying motivated to stick with your financial plan is how you find your way to Worry-Free Money once and for all. That “stick with” is important and will lead to amazing results. Once you see the debt going down, emergency savings rising and your nest egg growing, you’ll be pumped. You’ll know that your new financial plan feels a whole lot better than getting caught in the Spending Vortex and feeling broke.