‘New Year, New Me’, the popular statement we like to claim at the beginning of each new year. We start off excited about our new years’ resolutions only for the excitement to die down somewhere down the line. The truth is, we can make ourselves all kinds of promises, however, if we fail to reflect we keep falling into the same habits that are self-sabotaging and cause us not to tick off those long-outstanding goals.
If 2020 gave us anything, it was a major reality check. It taught us that having faith is a good thing and so is accepting the fact that setbacks, challenges and struggles are unavoidable. So then, by all means, have faith. Believe God to help you overcome any hardship. On the other hand, don’t be overly idealistic and expect change to happen overnight. Anticipate bumps in the road. It’s possible to be rooted in faith and grounded in reality at the same time.
This is probably one of the things we might have to deal with every single year. Procrastination is a sign of lack of discipline and without discipline, you really can’t achieve success or be successful. Can you imagine the things you would have accomplished if you did all the things you said you would do at the beginning of the year?
Even though having goals is extremely important, not having the discipline to achieve those goals is just as bad as not having goals at all. And one of the main things that stop us from achieving our goals is procrastination. Often times we procrastinate due to laziness, lack of motivation, and unbalanced priorities.
In order to get rid of this habit try to determine the specific moments, you start the procrastinate. For example, do you put off work every time you feel overwhelmed or afraid? Analyse what might be your stumbling block – Instead of tackling one huge goal at one time, try making a plan of action and break every goal into small tasks.
Those who are constantly in debt are often the type to snatch up something whether it’s on sale or not – even if the purchase wasn’t exactly planned. However, impulse buying can lead to a series of dangerous spending behaviors:
Justifying Unplanned and Poor Purchasing Decisions.
By justifying a “need” for an expensive bag or new gadget, you allow yourself to overspend and find reasons why it makes sense.
– Using Your Credit Card for Impulse Purchases. Because impulse shopping is unplanned, you may not actually have the funds to cover costs. That means you’re using credit to purchase items you can’t afford.
– Losing Track of Your Budget. Even the most diligent budgeter can mess up every now and again. However, impulse spending causes you to lose sight of your budget and your financial goals: When you decide your budget is already blown, you might just keep swiping that card – and that’s a slippery slope.
While an impulse buy here or there may not leave a lasting impression on your finances, making it a habit can seriously derail your goals. Develop a plan that helps you cope with that irritating itch to spend without thinking.
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