My “real job” (the one that pays the bills) is a Mortgage Lender. That means I see people’s credit reports, savings accounts, retirement accounts, checking account statements, income, expenses and EVERYTHING having anything to do with their finances.
I see people come in who have never made over $30,000/year… and yet have perfect credit, everything they need in life and a tidy sum saved up. I also see people with multiple six figure incomes who can’t scrape together a 3% down payment to buy a home.
The truth: Financial Peace isn’t about how much money you make. It’s about the level of responsibility you take. But THAT is a tough pill to swallow. It’s easy to list the reasons we have financial chaos. And it takes a very responsible, sane and strong person to look inside and themselves and see how they can take responsibility for their financial situation. We’ve all heard of a “victim mentality”, and for most of us, it is especially easy to consider ourselves a victim in regard to finances.
I often find myself in a position where I am helping people get their finances in a place that is manageable. Many people need some help with credit, and others can’t even tell me what bills they have, how much they are, or when they are due. Some people with fairly low incomes tell me they MUST have the $500+/mth car payment because they need reliable transportation.
For most people, getting finances in order means taking an agonizing look at yourself and then making some agonizing decisions. It’s painful in so many ways. It’s no wonder that so many people call themselves a victim and convince themselves there is no way out.
I’m not going to go 12 steps on you here… but the first step truly is to admit that you have a problem. But the harder part is recognizing that YOU are the problem and being WILLING to do whatever you need to do.
Watch for some tough blog posts on this subject. I’m not going to be easy on you. 😉 But you can do this, and the results are totally worth it!
P.S. There will be some easy things too…. so try not to completely avoid my financial posts. 😉 Shoulders back! Chin up!
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