"This is MY year. I'm going to budget, save money, and get my sh*t together."
You downloaded the app.
Made the spreadsheet.
Told everyone about your financial goals.
And now it's February 9th.
Sooo... when's the last time you looked at that budget?
January 8th?
What.
The.
F*ck.
"But Caleb, I got busy! Life happened! I'll start again next week!"
Bullsh*t.
You didn't fail because you got busy.
You failed because you set yourself up to fail.
And I'm going to let you in on a little secret...
Starting over with the same broken approach will just break your heart.
(And with Valentine's Day so close, let's try to avoid that, K?)
Here's some of the CLASSIC mistakes below, so you can try to avoid them.
Mistake #1 You tried to be perfect instead of consistent
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you trying to be perfect... |
You decided to track every single expense, cut out all fun spending, and save 40% of your income.
That lasted exactly 9 days.
Going from zero budget to financial monk doesn't work.
It's like trying to run a marathon when you've never jogged around the block.
You need a system you can actually stick to for longer than two weeks, buttercup.
And if you keep reading, I'll show you exactly where to start so you actually follow through this time.
Mistake #2 You didn't know what to fix first
I get it, you wanna fix everything at once.
But I got news for ya.
You can't save for retirement, pay off debt, build an emergency fund, AND cut spending all at the same time!
Trying to do everything means you end up doing nothing.
You spent three weeks overwhelmed, paralyzed by choices, and eventually just... stopped.
When you don't know what to tackle first, you waste energy spinning your wheels instead of making actual progress.
So no more trying to boil the ocean, k pumpkin?
Mistake #3 You had no one holding you accountable
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budget means family... I think... |
One of the best ways to quit on day 12 is to do it completely alone.
You slip up, buy something stupid, miss a savings goal, and there's nobody there to help you course-correct.
If you're doing this solo with no system, no guidance, and no accountability, to put it bluntly, you're f*cked.
I recommend taking 2 minutes to figure out what YOU specifically need to work on first.
"Okay Caleb, I get it. I failed. But I don't know how to start over without failing again..."
I gotchu pookie.
Which is exactly why I revamped the Financial Health Quiz.
It's the only assessment you need to figure out what to fix FIRST so you stop spinning your wheels.
