Is it time for a change?

<b> Is it time for a change? We often do the same things day in and day out, year in and year out, and become comfortably numb to the way we live. A lot of the things we do we may not enjoy such as our job and the way we handle our money. We keep on going to our place of work and instead of enjoying it we just learn to endure the day. This also affects the way we handle our finances. When we are not happy in our daily work routine we will try to find something to buy or go on as many vacations we can to find joy. Money can buy fun but it cannot buy happiness. So how do you know when you need to make some changes? Here are a few things that may indicate to you to change your life. 1. If you get this sinking feeling Sunday evening around 6pm when you realize that you have to work in the morning. Don’t let going to work ruin your time off create a plan to find new work or start a business. 2. If you have a short fuse with your friends and family when the week starts. When we dislike our work we tend to be snappy with others, although you don’t want to be this way the wrath falls on the family and friends. Don’t get frustrated because of the pressure you feel from not enjoying what you are doing. Set up a time line to explore other opportunities. One thing that helps is be thankful you are able to work and have a place to work, but if you know your job is not your calling use the experience as a stepping stone to move on. 3. If your resume is a list of things you do not like to do, it’s time for a change. Just because someone is hiring and paying good does not mean it is a good fit for you. If you hate math but become a CPA because they pay well you are setting yourself up for a tough ride. 4. If you go out and buy stuff to give you a happy feeling and you are going farther into debt. We cannot buy joy and happiness, but we can buy fun. Money may be the husk of many things, but not the kernel. It brings you food, but not an appetite; medicine, but not health; acquaintances, but not friends; servants but not faithfulness; days of fun, but not peace happiness and joy. Henrik Ibsen I am not saying quit where you are at, but begin to plan where you want to be whether it is in your career life or your financial life. We get so busy doing the things in life we declare as “urgent” that we always live in crisis mode. When you are constantly in crisis mode without a plan it is hard to take time to make a plan for what is really important in life. Remember you don’t have to, you get to. Let me know if I can help! Tim West Go West Coaching

You might need a financial coach if

You might need a financial coach if…. Most of us have heard the “you might be a redneck if…” jokes from Jeff Foxworthy. I have always enjoyed them and have been accused of being a redneck myself, many times. So, what gave me this idea? I was listening to the radio the other day and heard a lottery commercial. After that I heard the commercial for getting help if you are addicted to gambling. Hey I guess it was a public service announcement to “help” us with a problem. Just a thought don’t pass the lottery to get people addicted to gambling and you may prevent a gambling problem that way, just a thought. Anyway here is my you might need a financial coach if- Your retirement plan is your local state lottery. Hey jack it’s not what you make its how much you keep. The average American family makes 40,000 a year. Over a 30 year working life that is 1.2 million dollars going through your hands. Save some of it and get a plan before you make the money and tell it where to go. Just like the commercial says you have a better chance of getting attacked by a grizzly bear and a polar bear in the same day than winning the lottery. You might need a financial coach if- you are paying for Christmas in July. If I have learned one thing Christmas rolls around the same time every year and if I don’t save money for Christmas I don’t have any to spend. Start saving now if you have not and stick to the budget. You are not a bad person if you don’t buy everything that your kids want. If you haven’t noticed kids have a endless desire for stuff. You might need a financial coach if- you think the words “budget” and “no” are cuss words. Telling you money what to do before you get it is what a budget does. When you live on a budget you actually get a raise most of the time because your managed money does more than money that is not managed. Saying no will save you time, energy, effort and money. You might need a financial coach if- you say I will save money when I make more. If you do not start saving when you make a small amount you will not save money when you make a lot. Look at NFL players; 80% of them are broke after being out of the NFL for 10 years. Finally, you might need a financial coach if- you talk to your creditor on the phone more than your family and friends. The answer to getting out of debt is not borrowing more money. Hey if you are in a hole stop digging. Creditors can be a pain to deal with. Get a plan and get them out of your life. Let me know if I can help! Tim West Go West Coaching You're getting emails from me either b/c you signed up for them or we interacted on-line and I thought you'd like to get some insight from me. You can unsubscribe and it won't hurt my feelings. Just reply stop to this email. Or you can stay subscribed and help my self-esteem. Totally up to you.