Hey friends! I am kickin’ off this new series by starting at what I believe to be Step #1 when it comes to this whole thing of finances:
Take Responsibility for Your Finances.
I’m tired of young people complaining about not having enough money to pay their bills.
I think it’s a crying shame that it’s normal for teenagers to beg for money to go on mission trips! What happened to good ole’ fashioned summer jobs to save money?
And how about ADULTS (which everyone should be by the age of 18) expecting their parents to pay for their college? Ridiculous.
Let’s bring it a little closer to home…….I see no reason why ANY child or adult should not be responsible for their own cell phone. If you’re old enough to have one, you’re old enough to pay for it. Now I understand that some parents work out deals with their kids (or adult children) to exchange work for the cell phone bill. I’m not talking about that. I am talking about free loading.
We are a generation of financially irresponsible young people, and no one is exempt. If nothing else, we prove our financial irresponsibility by failing to plan and save for the future. It’s time for a change. We need to see the imperative necessity of knowing how to handle money well NOW.
It is time for young people, and that includes young women, to realize that their paycheck should not all be spent. First of all, they need to have a paycheck. Secondly, it needs to be budgeted and spent, saved, and given accordingly.
Regularly putting money into saving and investing is a habit learned through diligence.
Saving more than you spend takes self denial.
Being a generous giver isn’t automatic.
Getting up every day (instead of hitting snooze) to go to work takes discipline.
As we start this series, I want to challenge you:
Decide that you are going to be financially responsible. Today is the day. START NOW.
Do you want to have extra money on hand to be able to spontaneously give to others? Do you want to always have the money to pay your bills and only spend extra only when the money is in your budget? Do you want to save for the future? Do you want to be able to spend for special things that are important to you?
You can do all this and more, but I promise you it won’t be easy.
It’s going to take discipline, hard work, and good ole’ fashioned grit.
And if you’re a teenage girl thinking, “how can I save any amount of money when I make so little?” or a twenty-something wondering, “is it really possible to have this kind of financial freedom when I have so many bills to pay?”, let me encourage you with this:
You don’t have to make big money to save big money.
You have to have an iron will that you will be financially responsible whether or not you were taught or showed how.
You have to know that YOU ALONE determine whether or not you succeed.
And then, you have to be committed to the principles that will bring about that success.
I close with this quote, “There are not shortcuts to anywhere worth going.” -Beverly Sills