Despite intelligent and sensible parents who said things like “save, save, save,” and “don’t buy a new car,” I still ended up with a hefty new-to-me used car loan and very little in savings.
I take full responsibility for this – parents who do more for their children than give them a reasonable foot in the door and good advice are stealing great lessons from their kids. What I am more interested in is how I was able to coast along for so long.
How Coasting Starts
I swam with the current into college, then into a Master’s program, then into the first career that came along and made a living wage. I followed the same current into the first relationship that came along and wasn’t abusive (or was at least a pleasant fit). I stayed with that person, with that job, with that lifestyle and things stayed good.
Until suddenly things weren’t as good anymore. Suddenly, my 20s were getting into real numbers like “23” and “24,” and I was pushing against old habits that used to be easy.
While I wish I could talk to my young self and yell, “Wake Up! Take a cold look at your habits, your friends, and what you spend your money on! Make sure it aligns with what you value!,” it’s a lot more sensible to forgive my young self. To make new goals, and to learn the lesson as hard as I can.
Be Careful What You Surround Yourself With
The job, the boyfriend, the bills I accrued when I was moving along and not mindful may not be actively causing damage; but the job, the boyfriend, and the bills slowly become the only constant factors in life. And how scary is that!? To wake up and realize you had no hand in the making of your present and nothing but fear for your future!
Figure out what tools you have at your disposal. Use the technology you’ve already invested in, like an android enabled device and people you’ve already built relationships with (close friends, family members). Because even if you end up with a big win at an android optimized casino like www.androidcasino.ca, it may not change your financial future if you’ve surrounded yourself with negative influences.
Decide to Do Everything for a Reason
If you haven’t been lucky enough to experience a life-changing event early in your twenties, it is up to you to choose to stop going with the flow. If it feels natural, stop and question it. (HELLO sleeping til 11am on the weekends). If you’re about to drop cash on take out, rethink it. If your friends invite you to a new mall or weekend excursion, don’t say yes immediately.
Spend some time looking at your habits and align them with the person you want to be. Living purposefully is the only way to guarantee that you will be the same person with or without the job, the boyfriend, or the bills. Living purposefully ensures that those things only add to your life and do not define it.
Those who take the time to prioritize what’s important to them and who hand-pick their own direction are the only ones who have any guarantee of happiness. So, get out there and get what you want!
Have you ever questioned your habits? How did it go?
As thanks for reading, I have a $50 giveaway via PayPal to put towards the end of your own financial coasting! Anyone can win, anyone can enter: simply leave a comment on the blog below before 12:01AM EST Friday, May 17th, 2013. You can add to the conversation, or just write “DONE COASTING”!
This giveaway is open to anyone to whom I can send $50 to via PayPal — not just US!