Keep Your Money Honest
Today, if you were asked about the most important thing in your life, what would you say?
Just for a moment, in your mind, grab hold of that thing that you believe is at the very top of the pile of various people, places, ideas, organizations, and stuff that make up your life. Now, set that aside and pick the next most important thing. Do it a few more times and build a personal “top five” things in your life.
Got it? Great. That was the easy part. Here comes the hard part.
Does your bank statement accurately reflect those personal priorities? How well do they line up?
There’s what we say is important, and then there’s what we spend our money and time on. If those don’t line up, then what you’ve been saying…is a lie.
Our unhealthy emotions and desires make liars out of us. Maybe we’re struggling with overwhelming debt. Maybe we’re facing an addiction. Maybe it’s loneliness, or exhaustion. Those things (and more) can cloud out what should be important to us and can rearrange our priorities. The things we say are most important will take a back seat to our short-term happiness.
So, when you sit down to draft your home budget every month, you need…
I’m sorry, what was that?
You don’t make a budget? Well, you should.
Why? Because it helps to keep you honest!
What do you need? What comes first? What are your long-term goals? What dreams are you trying to achieve? What is really important to you? When you make a budget you answer all of these questions before the first dime lands in your bank account. And that’s powerful.
See, your budget is you making a plan to honor your word. You give each dollar a purpose, and once you’ve ‘spent’ it on paper it’s no longer available for unplanned, unhealthy, impulse purchases. When you want to buy something just to make yourself happy, you’ll have to ask yourself a critical question.
“How am I going to pay for this?”
When you answer that question it makes what you are sacrificing immediately more clear.
So, is your money going to the things that are most important in your life? How we spend our money says a lot about us. What does yours say about you?
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