A New You
Obviously, the best time to start getting your finances under control is right now. Not tomorrow, not Monday, not the first day of next month or the first day of the new year. Delaying is just another form of procrastination. My very favourite one I implemented on myself, was after I cut up one of my credit cards I decreed I could still spend on it, as long as I could remember the number and expiry date. I mean, seriously!
Anyway, if you’ve tried and tried to get your finances sorted but keep sliding back down that slippery slope to nowhere, it’s time to take action. In rehab, addicts are given a variety of techniques to ‘loosen’ up their routines and get them into a mindset that makes then open to change and creating new (positive) habits. These techniques include everything from brushing their teeth with the other hand to putting their clothes on in a different order. Minor stuff, but it all adds up.
So, how can you apply this sort of technique to ensure you get – and most importantly stay – on the right path? Here are some ideas:
- Look for opportunities when you’re already having a bit of a new start – these can be things as big as starting a new job, moving in with a partner, moving house generally or having children, as well as smaller things like moving desks at work, getting a new boss or changing your fitness regime. If you’re already in the mindset to be starting afresh, pairing financial responsibility alongside it can prove very powerful.
- Think of ways to shake up your life a little and get your body and subconcious thinking you’re doing something new. Stuff like going to work via a different route and moving your furniture around in your home are great examples, but ordering something new at your favourite restaurant and changing the ringtone on your mobile can be good triggers too.
- Tell your friends and family – like addicts have to tell those closest to them that they’re addicted and committed to change, you can do the same too. You don’t have to tell people that you’re in a lot of debt or whatever your burden, but you can be as vague as “I’m watching what I spend” or “I’m saving right now”. Support and a watchful eye from those around you can help keep you on the path to success.
- Be mindful of your language. There’s a world of difference between a former smoker saying “I’m trying to quit” and “I don’t smoke”. The former tells your subconcious that there’s an opportunity for failure, the latter reinforces your new way of life as a current status. So, “I’m trying to save” will tell your brain that you only need to put in a token effort. “I’m saving” will reinforce your goal. As Yoda put it, “do or do not, there is no try”.
Even if you’ve never tried to get financially healthy, employing techniques such as this will give you the best chance for success. If you just can’t seem to save, stick to your budget or get out of debt, getting your head into the right place to make it happen might just be the change you need.
Good luck!
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