Every day, I write about personal finance.
Every day, I think about personal finance.
Every day, I check my blog stats, link to my fellow personal finance writers, answer emails from readers, and think about ways to motivate, inform, and inspire.
But, recently, I haven’t been focusing on my own finances.
I’ve been paying my bills and funding my retirement accounts, but I haven’t been paying much attention to my budget, I haven’t been looking for opportunities to save and/or make more money, and I haven’t been sitting down regularly with my wife to talk about our finances.
I’ve been in a ‘personal finance funk’ and it’s past time that I break out of it!
As of right now, I’m back in the game, big time –
I made a mid-month transfer to my savings account, something I haven’t done in four months.
I just logged into all of my retirement accounts and recorded my current balances.
I just opened my favorite budgeting software – You Need A Budget – and created an ultra-specific budget for June.
I wrote a list of items to sell on eBay, once we get home from vacation.
I just ordered– a book I’ve been meaning to buy.
I’ve been on a bit of a ‘spending spree’ – and I’m tired of wasting money.Â Now, don’t get me wrong, I haven’t purchased anything that wasn’t in our budget, but I have purchased a lot of things without which I could have done.Â And, now that we are on vacation, I’m reminded of my desire to retire and live at the beach.Â The decisions that I am making today will go a long way towards determining where I end up, financially, in the future.
If you are like me, you might be in a mid-year slump.Â So, instead of looking back and making excuses, let’s all decide to gather ourselves and move forward!