Lynnae over at beingfrugal.net is hosting Tightwad Tuesday again today.
I was talking with a family friend recently and he was joking around about wanting to win the lottery. Then he commented, "I guess I'd have more of a chance if I actually bought a ticket." We were laughing as he kept joking about how he just wanted someone to give him money and solve all his financial problems for him.
Later, it struck me how sometimes, without really realizing it, many of us may just be waiting around for someone to rescue us. Sometimes there are very real changes that we can make that will improve our current financial situation. However, they may involve a little work or a sacrifice on our part, so instead we hold out hope that someone or something will "rescue" us.
Instead of making positive changes in our lives now we just wait, hoping for something to change. Hoping to be rescued.
But what is better? To sacrifice a little here and there in order to reach our financial goals or to sit around waiting to be rescued? To be moving forward, even baby step by baby step, towards financial freedom or to be stagnant and unmoving, hoping against hope that somehow, somewhere there will be an answer to your problems? Is any move, no matter how small, a good move?
When there is a huge debt to be paid off, or a huge repair bill coming up on the house or car it can seem like the little things you do to save money aren't worth it. When you owe thousands tomorrow saving pennies today just somehow doesn't seem as important.
It can seem like it's just not enough. You can say to yourself that buying that one coffee is not going to pay off the $20,000 debt you have. The money you save by not eating out just this once is not going to pay off the credit cards.
You can tell yourself you need thousands of dollars so what is the big deal if you buy that hamburger today or that coffee tomorrow? Saving that small amount is not going to get you any closer to paying off your debt is it? Well, yes, it is. The little things will add up into bigger things.
We need to look at our money differently. We need to look at debt differently. We need to be good stewards of our money. We need to look at our spending habits as a means to end our debt if we have any. We can look at our current spending habits and determine if we are spending wisely in light of our future goals.
If we're in debt, whether it's a mortgage debt or credit card debt or whatever, adjusting our spending habits may not get us out of debt on it's own, but it might help keep us from getting into further debt. We may need to evaluate our lifestyle and look into further ways that we can save. At least we're doing something. When we sit there and wait for the big money to rescue us, we may be waiting a very long time. Please go here for more frugal ideas.