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Your past doesn't equal your future

by Vicki Simons

Did you mess up financially this year? Fret not! Your past doesn't equal your future. However, in order to change your future, you have to look at your past to see what you did to get you there.


A Time article entitled "5 Toxic Beliefs That Will Basically Ruin Your Life" has tremendous implications for budgeting any time. (http://ti.me/1ke0KvE)

Although a lot of people make resolutions (we prefer goal setting) around the new year, the truth is that you can start changing your financial future at any time.

If you've had trouble keeping up with your receipts in the past, then do what you need to today. Do it again tomorrow. Don't get bogged down.

Please don't be offended by this next thought because there's a lesson in it that we can learn from...

There's a training tool for animals called a "clicker" that is used to mark good behavior, the sound of which immediately is followed by a reward. (http://bit.ly/1ke3jO5) The premise of using the tool-and-reward combo is: "Behavior that gets rewarded gets repeated."

That leads me to ask some questions:
- What behavior in your past do you like or not like?
- If you don't like a particular behavior, what would get you to change it?
- What would sufficiently reward you for making and keeping the change?

One tool for starting or adjusting a budget is a "Spending Diary" that you can use to write down what you bought, when, for how much and what you were feeling when you bought it.

You can take control of your finances.

Remember: Your past doesn't equal your future.

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For more money saving tips, see the lists of links at the top or bottom of this page or visit the Truck Drivers Money Saving Tips home page.




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