When looking for a solution to your money problems, math seems like a logical path. The crazy thing about financial issues is that the source of the problem is more emotional than practical.
When you struggle with money, it is the emotional struggle that is preventing you from making healthy changes that will help you to clean up your finances so you can start living the life you deserve.
When we committed to paying our debt off in 2018, we had to do a deep dive into our finances. It was that deep dive that highlighted how our emotional decisions landed us in debt to the tune of $50,000 and made us broke.
In this article, we will share with you the problems we identified with our money mindset when we were paying off our debt that truly changed our lives.
We will cover:
- Emotional Decisions and Money Problems
- How to Change Your Relationship with Your Money Forever
- How the Automation Derived from Your Habits is Holding You Back
- Identifying Your Bad Money Habits So You Can Start Acting with Purpose!
- Habits that are Preventing You from Being Successful with Money
- Developing Healthy Habits
Emotional Decisions and Money Problems
If you are anything like Rob and me, it is your emotions that landed you in the paycheck to paycheck lifestyle. From the outside, it may appear a bit glamorous, but at the core of your being, I am sure that you feel it.
You know that if a catastrophic event, like losing your job happened, your “glamour” would shatter all around you. You are a prisoner to your employer due to the decisions you have made.
For us, it was all of the unknowns stacked upon one another that finally got us to open our eyes.
You see, we were at that point in life that we knew we made a modest middle-class living, yet we had nothing to show for it.
We have a nice house, a new car, and an employee matching 401k, but our savings account had no growth. The money went out of the account as quickly as we put it in.
We each devote a minimum of 40 hours to our jobs every week.
Although we pride ourselves on our solid work ethic, we realized that we did not work to maintain our finances. Neither one of us knew how much money we made or how much money was required to support our household.
We were comfortably numb. (Thank you, Pink Floyd – great line!)
How to Change Your Relationship with Your Money Forever
The only way you can change your life is by honestly defining the sources of your money problems.
It is that point that most of us run into trouble. Right out of the gate, we are in trouble.
When it comes to money, it is easy to mistakenly define the source of your problem as a financial issue. It is this thinking that forces you to seek a financial solution.
Seems logical; the thing you must realize is that this is not a logical problem that needs a practical solution. Money problems are emotional problems that require a healing solution.
Sounds mushy, but please hang in there with me.
It is our emotions that are approving our purchases. It is our self-doubt that creeps in at tells us that we are unable to make more money or change our financial station.
Once you realize that the root of your problem is your emotions, you can formulate a strategy that will help you heal. That will allow you to say goodbye to all those bad habits that have been holding you back.
If you do not work on correcting the root of the problem, you are doomed to continue living in a constant state of broke.
Sorry, that sounded bleak and almost Castle Grayskullish, but unfortunately, it is true.
You see, Rob and I tackled our debt and paid off over $50,000 worth of debt in a very short period in 2007. Unfortunately, we did not address the real issue, and we had to face the same challenge in 2018.
The difference? In 2018 we realized the root of our financial failure all stemmed from our emotional relationship with money.
It was the emotion of being petrified by our current financial situation that forced us to take a holistic approach to our finances.
Our baby had just moved out, and our nest was empty for the first time in 25 years. It was the realization that the next significant milestone in our life is retirement. Yikes!
Our fear forced us to think about what we wanted in life. At the age of 42 and 45, do we want to flounder for the next twenty-something years until we hit retirement age, or do we want to start living now?
Our goal for you is that you can dig deep too and come to your the realization that it is your relationship with money that is making you broke. It is that epiphany that will be your “why” in making some serious changes to take charge of your life.
How the Automation Derived from Your Habits is Holding You Back
It’s your habits! Here at Empty Nestin’, we are obsessed with habits and how they impact our lives.
For us, it was 2018 that we truly realized the influence our habits had on our lives.
You see, we were really, really good at smoking.
As hard-core smokers of twenty-something years, we were pretty committed to the cause. For years, we had no desire to quit.
It was early 2018 when we finally decided to quit. It was when our youngest moved out that we had the realization that we were old. Yep, the 90s were over, the grudge scene no longer exists, and we have some gray hair.
It was when we decided the time was upon us to quit; we had to face all of those ugly muscle memory functions that were controlling our lives.
We had to relearn how to reward ourselves, how to cope with stress, how to relax after eating without the aid of our cigarettes.
It was that process that prompted us to research habits and how they control our lives. We focused on how they controlled our life so that we could develop new healthy habits to replace them.
It was at that time that Rob and I were also aggressively paying off our debt.
Although money management and smoking do not appear to have to a rational relationship, they do have the commonality that they can trigger the sense of happiness, provide tangible rewards, and serve as comfort.
Congratulations if you cannot relate to smoking!
The thing is, we all have vises or habits that automate our lives.
To move forward, you must recognize your tendencies to quit the automation and start being intentional!
Identifying Your Bad Money Habits So You Can Start Acting with Purpose!
Let’s first review the definition of habit from the Merriam Webster Dictionary.
1: a settled tendency or usual manner of behavior
2: an acquired mode of behavior that has become nearly or completely involuntary
A habit is that moment that we all catch ourselves in where autopilot kicks in and we are performing that routine that brings us comfort.
In 2018 we realized how our habits were holding us back from living. Our life had boiled down to so many rituals that there were few things left in our day to day that allowed us to feel.
It was a simple $20 investment that changed our world, changed our future. The investment in Dave Ramsey’s Total Money Makeover book that allowed us to connect through dreaming of our future together.
By reading this book we were able to see that our problem with money was not the amount of money we made. It is the decisions we make. Those decisions to reward ourselves, relieve boredom, or make sure that we were living our lives to the fullest were holding us back from any long-term dreams.
We were stuck! We worked, and we worked to make money, yet we put no effort into managing our money.
I tell you our story so that you can find the courage to move forward. You need to know that you too can make a change in your life and start living life to the fullest.
The Dave Ramsey video “How We Became Millionaires in 5 Years and Saved Our Marriage” is our goal for our future. This video is so inspirational and provides us with the needed courage to face our money problems head-on.
How We Became Millionaires in 5 Years and Saved Our Marriage
Habits that are Preventing You from Being Successful with Money
When Rob and I were on our get out of debt journey, I came across an online guide entitled How To Get Out Of Debt – The Complete Guide by the Financial Mentor that really made me stop and think about my behavior with money.
With my history of money problems, I could really relate to the items listed in the section “The Habitudes That Cause Your Debt.” The thing that I didn’t like was that something caused my debt. We know that we are the ones that caused our debt. Our decisions; or lack of decisions.
We are so inspired by this article, we will delve into a laundry list of unhealthy habits that lead to money problems and then we will review replacement habits.
After all, we are in control of our future! We are in control of what habits we have!
- Retail Therapy
- Instant Gratification
- Lack of Planning
- Relationship with Credit
- Not Taking Responsibility
1. Retail Therapy
Retail therapy, mindless spending, emotional shopping…no matter what you call it, spending money on things we do not need can provide a rush of emotion that is initially exhilarating or comforting.
A NerdWallet online survey of more than 2,000 Americans concluded that 49% of those surveyed said that their emotion has “caused them to spend more than they can reasonably afford.”
The crazy thing about “spending more than they can reasonably afford” is based on a subjective scale. For Rob and I, we always looked at the affordability of our purchases based on if we could afford the payments.
To move forward and change the way we view money, identifying retail therapy triggers is the first place to start.
- Does shopping relieve stress for you?
- Are your purchases your reward system?
- Is shopping something you do to avoid boredom?
- Does your socializing generally entail shopping?
- Do you ever experience guilt or remorse after shopping?
- Are your credit card bills so large that you cannot pay them off every month?
- Ever get an endorphin rush when you shop?
- Are payment plans kinda your thing?
- Do you use home shopping shows as entertainment?
- Is 0% interest a deciding point in your purchases?
- Are there clothes in your closet with the tags still attached?
- How about multiples of the same item?
- Are you on a first name basis with the FedEx and UPS drivers?
- Have you been known to hide purchases from friends or loved ones?
- Do you ever buy something and think “I can always return it” and then don’t?
The list above is ugly, especially when you can relate to one or more of the items.
That is where I stood in 2017. I was an emotional shopper who was addicted to the temporary endorphin high that came from buying. For me, it made me feel good to buy big-ticket items on a payment plan. I was so desensitized to the fact that I had a problem as my self-grading report card was my credit score.
I was so impressed with my credit score that I did not even realize that 15% of our monthly take home was going to repay my big non-mortgage purchases.
Among those who overspend due to emotions, women are more likely than men to say stress causes them to overspend (35% vs. 24%), while men are more likely to say excitement (26% vs. 18%). Those who have a household income of less than $50,000 are more likely to overspend due to stress than those whose household income is $100,000 or more (34% vs. 24%). – NerdWallet
Excessive spending can become more of an emotional experience. The rush from purchasing stuff can remove all satisfaction from owning the stuff.
When it comes to taking charge of the habit of emotional spending is generally to establish a waiting period.
Find an accountability partner
From my experience, my cooling down period resulted in an extensive “Pro” list of why I needed “X.”
For me, I had to go on a sabbatical from making independent purchases. I needed to bring my friend in, Rob, and get him involved in my spending.
It was the experience of consulting with my partner that gave me peace. It also provided me with a sense of accountability to someone other than myself.
To overcome your emotional spending, you will need to decide what your triggers are and what you need to do to form a new, healthier habit.
For Rob, he loved little spending. In 2017 he had over 100 orders through Amazon. They were not big purchases, but they were a bunch of small purchases that added up.
He struggled with the small stuff, while I struggled with the big stuff. For him, his habit that he had to break was to stop checking out the recommendations from Amazon as entertainment.
Rob’s emotional shopping could be summed up with the phrase: nickel and diming.
Where my emotional spending could be summed up with the phrase: go big or go home!
The sooner you can identify your spending trends, the quicker you can do something about it. Identifying the problem is the first step. You have to become aware of what triggers your habit of spending.
Ouch! Entitlement is a big one to own. Entitlement is such an unattractive trait in others it makes it hard to see that your behavior with money can stem from a sense of entitlement.
Before you decide that your money problems do not stem from a sense of entitlement, take a step back and honestly reflect.
Have you ever made a purchase based on the thought “I work so hard and so I deserve this?” I know that when I would justify my spending, the idea of working hard did come into play.
My purchases were my reward system. The crazy thing about my reward system is that it came with a monthly payment.
The decision that I had to make to curb my entitlement spending was by me making the pledge to myself that my purchases, my rewards, must be purchased outright. No more line of credit celebrations for this girl!
By making this pact with myself is that it came with a realization of money.
When I made monthly payments, it never seemed to bother me that amount going out monthly. Now that I have pledged only to purchase items that we have the money for, I realize that it will be a massive amount coming out of our bank account in one clean swoop.
That clean swoop will result in a bit of pain as I now realize the time involved in building savings.
Time and money have a more significant correlation for me now that I am not using a line of credit to reward myself.
3. Instant Gratification
For me, my instant gratification and my sense of entitlement go hand in hand.
I worked very hard to maintain a healthy credit score; therefore I am entitled to the instant gratification of buying this today.
After all, it is all my hard work that makes this possible today. As mentioned earlier, I am big on a pro and con analysis. I was always able to justify my big spending with 0% offers that I was able to take advantage of due to my responsible money habits.
The thing about that I did not realize when it came to all of my financing deals was that I was stealing from my future to pay for today.
When 15% of your take-home pay is going to non-mortgage purchases of the past, you know you have a problem.
Why is instant gratification so important?
The expectation of instant gratification is part of our day to day living. When we were kids, we had to wait for our favorite television show to come out. We had to fit the viewing into our schedule.
Life nowadays is much more NetFlix. We no longer have to wait, and we can put our life on autoplay. By design, we can digest life and not take a moment to enjoy anything.
The problem that I had with my instant gratification purchasing is the fact that there was no long-term gratification associated with it. The only real feeling I carried was guilt.
When I look at our adult children finding their way through this world, I think back to how Rob and I viewed money when we were younger. I remember watching the adults in our lives and thinking that their belongings made them stable. I never stopped to think that it took them twenty-something years to earn their current lifestyle.
Throughout our realization process that we sucked with managing our money, we shared our stories, our experiences with our children. We did this in hopes of teaching them that the appearances that we upheld were just that…appearances.
In the Psychology Today article “How Do You Measure Your Self-Worth?” the author Amy Morin, L.C.S.W., provides a very thought-provoking analogy. She states that society measures the height of their success with a random stick.
The randomness comes from the feelings that we experience — the emotions that take hold. It is this level of randomness that allows us to make a justifiable purchase one day and then the next day the reality of our decision comes crashing in.
While it’s normal to feel proud of your accomplishments, basing your entire self-worth on your achievement is like building a house on an unsteady foundation. You’ll need to experience consistent success to feel good about yourself — and that means you’ll likely avoid doing things where you could fail. – Amy Morin
We continually measure our worth, but too often not aware of what is determining that worth. That is how we can get lost in the sea of materialism.
Self-worth and the things you own…
Always seeking that shiny new object that will tell the world and confirm within ourselves that we have arrived and that we have worth is self-destructive.
My unhealthy relationship with money came from the excitement and pride that I could see on my loved one’s faces when we made a big purchase.
It was a rush showing off our new purchases. Looking back, I wonder if the look that I was interpreting as approval was real or if it was my internal measurement of our success.
For me, I had to step back and realize that our ability to pay our bills on time did not make us financially successful. The only self-worth purchased here was a month to month payments.
Now all of my purchases come with the question: Will this purchase make me happy? The answer is generally no.
I find that when I live for happiness, my idea of my own self-worth naturally grows.
Andy Grove, the former CEO of Intel, is quoted as saying: “Success breeds complacency. Complacency breeds failure. Only the paranoid survive.”
There is a lot of wisdom in those words. I know that complacency is one of the primary reasons that Rob and I landed ourselves in debt again.
For so many years we convinced ourselves that making more money is the answer to our financial woes. The wisdom that I hope you walk away with today is that your relationship with money is more of an emotional connection versus an income deficiency.
The more we made, the more we spent.
The Total Money Makeover really put this one into perspective for me. It helped me to realize how we could make more money, yet find ourselves in the same place. Dave explains that “gradual” catches you by surprise.
The increase in available funding happened over time. The increase in our spending occurred over time.
You put a frog into a pot of boiling water, and it jumps right out. But if you put it in a pot of nice comfortable water and then turn on the heat, the frog complacently let himself be boiled. The Atlantic
While the story is bullshit, there is truth to the damage that complacency can create in your life. Nothing accelerates poor spending like complacency.
Complacency is the quite wealth thief as it tears down our house of cards one card at a time. It is that stagnant savings account or that credit card the creeps higher and higher until it hits a point we are unable to pay it off this month, and then the next.
Stop being complacent and engage in life
Complacency is a treacherous spiral as the pleasant feelings experienced with each purchase that works to disconnect you from the painful realization of your actions.
It is the series of small impulsive purchases that eventually add up to money problems that no one can ignore.
The compounded effect over the years can lead some to bankruptcy or foreclosure.
Now is the time to snap out of it. It is time for you to engage in your life and start planning. Now is the time to start a budget.
6. Lack of Planning
Lack of planning and complacency go hand in hand. When you are experiencing money problems, it is easy to disconnect from your spending, lose interest in saving money, and have your focus to earn more depleted.
To craft your personal finance plan, you must utilize a handy tool called a personal budget.
Sorry to state the obvious here, but the root of our money problems was the lack of personal finance planning.
When you do not have a personal budget, it is impossible to plan for retirement, know where you are spending money, or even how much money your household brings in every month.
It is easy to make excuses and feel hopeless.
When you do not budget your money, you end up living month to month because you have not established a plan to do anything different.
It is environments like this that force individuals to look at their credit cards as their emergency fund.
If you step back and view your finances like a business, you will naturally develop healthy habits and build wealth.
Just think about it for a moment: A business operates off a set of plans — actions that are designed to produce a financially secure outcome. Monitoring your cash flow regularly is a requirement to ensure there are reserves available for the inevitable rainy day.
A healthy business engages in risk assessment, debt reduction, spending cuts, and works to maximize growth opportunities.
To rid your life of your money problems, you must stay engaged by planning. Have a plan with a backup plan.
7. Relationship with Credit
The rite of passage for a responsible adult is a healthy credit score. It was that thinking that was holding me back. I had established a target for our credit score, and I was able to achieve it. I had arrived.
The crazy thing is that I viewed our credit score as money. In my mind, it was evident to myself and to others that I was responsible for managing our money.
The thing about it is I viewed this extension of credit in the same light as cash.
My affordability assessment was based on our ability to make the monthly payment.
It was my relationship with our credit score that allowed me to justify carrying $50,000 worth of debt. I was willingly stealing from my future because I could do so “responsibly.”
As a child of an addict, I have always been in aware of substance abuse and very cautious of the triggers that lead to the damage. Time has taught me that addition does not always present itself in the form of a pill, a pipe, or a bottle.
It was my foolish behavior of smoking that stole financial wealth from our home. The crazy thing is, I did not think I was addicted. I thought I just really enjoyed doing it and jokingly praised myself for being pretty darn good at it.
Addiction can silently present itself in other socially acceptable yet ever so destructive ways. Above we addressed retail therapy. The thing about retail therapy is it comes with an adrenalin rush. It is that rush that can be addictive.
Addiction inevitably impacts your finances.
Addiction is the problem and the financial, mental, and physical changes in you are the symptoms of the disease.
The ideal choice is to avoid addictive behavior altogether and live a balanced life. That statement is admittedly easier said than done.
Addiction is a disease that often requires professional help that exceeds the scope of this article. The intent of this article is solely awareness, so that you may begin making the necessary changes in your life.
9. Not Taking Responsibility
Assuming responsibility for our actions is something we should have learned in grade school. Unfortunately, this lesson does not always stick.
The thing is, the time is now to start taking responsibility for our actions. The long-term effects of not taking responsibility are grim.
- 21% of Americans have NO retirement savings at all
- 33% of the Baby Boomers generation, the one that is closest to retirement age, only have between $0-$25,000 in retirement savings
- 24% of Americans believe that it is “not at all likely” that social security will be there when they retire
- 51% of Americans believe that it is “somewhat likely” that social security will be there when they retire
- 46% of American adults are not prepared for the possibility that they could outlive their savings
Start taking responsibility today with a positive attitude
The thing about being ill-prepared is that it is no one’s fault but your own. So often the long list of excuses of why things are how they are is the real reason why things are the way they are.
With a mindset like that, you will never get ahead. You will always look at that glass as half empty.
The realization that you are not prepared may be a bitter pill to swallow because facing the truth can sometimes be uncomfortable. The thing is, once you see the cause of your financial problems, you then know where you need to put your energy to get your shit together and start saying goodbye to your money problems.
It’s all about you; this is your money, your life, your problems. Acknowledging the issues is sometimes the hardest part of the healing process.
By taking responsibility, you give up the victim role and empower yourself. You position yourself to take charge of your life, your money, and permanently solve your financial issues.
Developing Healthy Habits
So now that we have identified the habits that are holding us back from winning with money let us focus on some practices that you can put into action so that you can say goodbye to your bad money habits for good. The development of good money habits is critical for your success.
The good habits will fill in the void left by ditching the bad habits.
To ditch the bad, the time has come that we come up with some good replacement habits.
Here are a few mindset changes that I try to apply so that we do not have to relive our money problems of our past.
- Stop the Retail Therapy & Be Thrifty Like Buffett
- Work Towards a Primary Life Goal
- Set Goals that You Can Achieve with Hard Work
- Value Yourself by Knowing Time is Money
- Keep a Daily To-Do List to Keep You on Track
- Plan Ahead by Writing Down Your Goals
- Focus on Education & Self-Improvement
- Stop Gambling with Your Life & Live
- Take Responsibility & Start Acting Today
1. Retail Therapy Replacement Habit: Be Thrifty Like Warren Buffet
So rather than receiving comfort from shopping, let’s see if we can find pleasure through minimalism or frugality.
When you research the wealthy, you quickly see that although they can drop some serious cheddar on a lavish lifestyle, many of them do not.
A few cool facts about Warren Buffet:
- He never spends more than $3.17 on breakfast
- He lives in the same home he bought in 1958
- Buffet owned a Lincoln Town Car that’s license plate read “Thrifty.”
2. Entitlement Replacement Habit: Work Toward a Primary Life Goal
To focus on actionable goals for this unattractive human trait, we will focus on one of the replacement habits in the book Rich Habits: The Daily Success Habits of Wealthy Individuals by Thomas Corley.
Overcoming the feeling of entitlement is easy when you look at the big picture of life. Set a lifelong goal and run for it. You will be so busy trying to accomplish that goal that you will not have time to purchase all those shiny things you feel entitled to own.
According to Corley’s research, 80% of wealthy people focus on achieving a single goal, compared to only 12% of poor people.
3. Instant Gratification Replacement Habit: Set Goals that You Can Achieve with a Bit of Hard Work
Tampering down the instant gratification itch can be tricky. But if you keep yourself busy and continuously set goals, you will then realize the sacrifice required for those immediate gratification moments.
You will begin to focus on longevity. True happiness that carries you beyond a moment here and a moment there to continuous gratification.
Just keep in mind that successful goals are actionable. The wealthy flex their muscles when it comes to goal setting. They are deliberate, enthusiastic goal-setters. Corley states that only 6% of poor people focus on their goals daily compared with 62% of the wealthy.
4. Self-Worth Replacement Habit: Value Yourself with the Belief Time is Money
The concept that time is money puts into perspective your value, your role in life. When you value your time, you will see opportunities all around you to save more or earn more.
You will naturally find yourself avoiding time wasting, nonproductive things like social media or binge-watching TV. The realization that wasted time is money lost is an eye-opening thought. It is a thought that puts your self-worth into perspective. Your time is worth something! You are worth something!
When your time has value, the stuff around you seems to have less value. I remember when we were starting out I would think Rob had to work one hour to buy a gallon of milk, a box of generic cereal, and a loaf of bread.
When you think like that, you really enjoy breakfast!
The thought that you can do something beyond your day job to improve your station in life is a magnificent revelation.
5. Complacency Replacement Habit: Keep Daily a To-Do List
To make an everlasting change, you must set overreaching goals that require you to meet some smaller goals for you to reach your primary objective.
Log these mini-goals on a daily to-do list. 81% of the wealthy in Corley’s study compared to 19% of the poor maintained a daily to-do list. The success rate for the wealthy is much higher as the wealthy folks generally complete 70% of their to-do list every day.
6. Lack of Planning Replacement Habit: Write Your Goals Down
Achieving wealth hinges on setting goals. If setting the goal was the only requirement then we would all be rich. The thing that makes it a life-changing goal is the act of being specific, writing the goals down and reviewing them daily.
Remember, merely wishing to be rich is just that, a wish. Goals are specific, and they involve planning something concrete, such as earning X amount by Y time through Z actions.
According to Coley, one of the things that set the wealthy apart when it comes to accomplishing goals is that 67% of the wealthy put those goals in writing.
7. Relationship with Credit Replacement Habit: Focus on Self-Improvement and Continuing Education
I have always heard that the wealthy love to read. Corley’s study showed that 88% of wealthy people chose to spend at least 30 minutes each day reading about self-improvement.
Now I have never been big on reading. I do enjoy continued growth and education to improve my skills or learn new ones.
The idea of Empty Nestin’ came to life based on the need to be held accountable for our financial choices. That need to be responsible for our decisions and push ourselves to continue to learn to be more, do more and be able to live our lives to the fullest.
8. Addiction: Stop Gambling with Your Life
You need to tone it down a bit. Quit living on the edge and know that time goes by quickly. Acting responsible and managing your life today will prepare you for living a life you can enjoy tomorrow.
So if you have a habit that is you gambling with your life, today is the day for you to stop.
- Quit gambling with your health and stop that habit that is stealing your future
- Find pleasure in other areas by stopping the gambling rush you received with retail therapy
- If you are literally gambling, know that gambling is a poor man’s game. 77% of poor people play the lottery regularly where the wealthy only play 6% of the time
9. Not Taking Responsibility Replacement Habit: Start Acting Today
Do not become one of the statistics due to your fear of acting. Today is the day for a change. Start paying off your debt, start putting money into your savings, start building an emergency fund.
It is these actions of responsibility that will impact your life in the long run. Setting specific goals today will help to provide you with vision, clarity, and focus like no other.
You need to review your financials and establish a budget. Your budget will be your vision on paper and will make all goals encompassed in your budget a reality.
There are many ways in which we can find ourselves with money problems. Way more ways that I can possibly include in this article.
The biggest take away I hope you receive by reading this post today is that you are in control. The time is now to start taking responsibility for your actions.
If you are in debt. You are in debt by your choice. If you do not have money in your savings account, only you can change that.
Be aware of your habits and the trigger for those habits. Work every day to try to develop new and better habits that allow you to realize your potential.
Keep in mind that the victim role is not attractive, and you could do so many more productive things with your life.
If you are ready to make a change, then write it down. Review your goals every day. Think big and think long term.
Where do you see your life 1 year from now? 5 Years from now? 10 years from now? Think about it and write it down. Share your goals and dreams in the comment section below!