Saturday, January 11, 2014

Is the resolution working? Then try this



Is the resolution working? Then try this.

  They say the percentage of people who achieve their resolutions are about 8%.  You may be thinking this is going to be one of those blogs that will fire me up to work harder to achieve my resolutions or one that reminds me that I have failed once again. I can throw out statistics that say if you do A+B=C every time (yeah sure it does, NOT)   you will do better.  We have been smothered with work harder, do more, do it better, that when we fail we say, well I guess I am just can’t change.  Well we do know if we quit we do not have to measure up to everyone else that seems to be succeeding.  One reason I love the gospel is that I was not good enough, and Jesus fixed that problem for me! No more having to do better, I get to do better!  You don’t have to do better at whatever your resolution is, but you get to do better if you want.  Don’t compare your problem, your progress or your success to someone else.  We all move at different speeds and handle things differently.  If you have ever taken a DISC profile you know that we have different personalities, and react differently in life situations. One of the animals they use to describe different personality types is a lion for the strong type A personalities.  For the more stable and lower keyed faithful types they use a golden retriever.  We all know that a lion and a retriever will react differently and handle things differently.  Neither personality type is wrong, they are just different. We need all the different types in our lives! 
So what should you try?  Whatever your resolution is write it down and create steps, baby steps, to achieve it.  Don’t make it to large, such as I am going to get my finances straight. That is very broad because you are dealing with, saving, spending, getting out of debt, paying off the mortgage, retirement, college etc.  That can overwhelm you when the Christmas bill comes in and it will make you want to quit on your resolution.   Start in one area, if all of the areas overwhelm you. Start with just a budget. Write down everything you will spend and try to trim those numbers. The big thing is to try and stick to the number you determine to spend and track it. A budget takes about 3 months to begin to work right, so stick to it. Make sure you spend what you save wisely, savings or applying it to debt.   Sit down at least once a week and see how much you have actually spent vs. what you have written down.  Depending on your personality, you can either live on the bare necessities or trim things slowly but surely.  The more you sacrifice the faster you reach your goal. But if you don’t like the idea of going too fast you may sabotage yourself and quit before it works.  Go at a speed you can handle.  You did not get into the financial shape you are in overnight and you will not get out overnight.  Be patient and take one step at a time.  Let me know if you want my help.

Tim West