I had a very interesting conversation with a good friend yesterday.Â We were talking about our finances (he reads No Credit Needed and I asked his permission to share a bit of our conversation with you guys) and he said –
I think that the most important thing, no matter the system that you use for managing your money, is that you have to have a day where it just “clicks” – a day when you decide to take control of your finances.Â After that, it’s all a matter of finding a system that works for you.
I think there is a lot of merit to what my friend said.Â For me, it clicked more than four years ago, when I decided to put my credit cards in my wallet and get out of debt.Â Since then, I’ve learned a lot about personal finance management, but nothing that I have learned has been as important as that initial decision to actually do something about my situation.
In a strange way, even though it took me nearly a year to get out of debt, I was already free that first day.Â Just knowing that I had decided to make a change – and that my life would be different from that day forward – was powerful, in and of itself.Â Now, of course, I had to actually go about the business of getting out of debt, but that was the easy part.
When I look back, I’m shocked that it took me so long to get my act together.Â I’m sure that some of you feel the same way, about yourselves, as well.Â Thank goodness for second (and third, and forth) chances!Â At this point, I’m just happy that it finally did click!Â The system may change, over time, buy my commitment, born that day four years ago, never will.