Tell me what you’ve been planning for…
Do you plan for your next job or promotion? How you’ll use your vacation days? Where you’ll go to dinner? The route you’ll use to beat the traffic home?
We make plans all day long – they’re part of who we are. But now it’s time for you and I to have a difficult conversation. What is your “money plan”? Most people don’t even have one. Others have a plan that sounds something like: “Make as much as possible, and spend as little as possible.”
How’s that working for you? Are you loving your life?
While you don’t want to be a complete impulse buyer, spending everything that comes through your hands, it also doesn’t serve your greatness to deliberately deprive yourself now with the promise that “someday” I’ll allow myself to have/enjoy/experience X.
Bad news, my friend. Someday never comes!
NOTE: I’m NOT a financial planner and I’m not giving financial advice. I am highlighting that the financial aspect of your life has as significant an impact on your experience of life as your physical, mental, and emotional aspects. Any fear, scarcity, deprivation, or victimhood you experience in your financial life will bleed over into the “rest” of your life. This means that if your financial house isn’t in order, you won’t be able to give your gifts, develop yourself and your people, or be the best government employee you can.
If you’re caught up in being a victim to your money (or lack thereof) then you’ll also be a victim of your boss’ bad mood, your spouse’s nagging, your bum knee… and on and on it’ll go!
Let me give you an example of what I’m talking about. The other day, I was sharing with a friend that my current job has me putting an average of 300 miles a week on my car.
She said, “Wow. I hope you’re driving a junker. I wouldn’t want to put all those miles on my good car.”
How bizarre. I’m thinking to myself, “So what would I be saving the good car for? I’ll spend 25 or more hours a week being uncomfortable in exchange for what exactly?”
Personally I think that if I’m spending that many hours a day in my car, it better be something that feels great to me and that I want to drive. Otherwise what’s the point of having a nice car? Stand and stare at it in the driveway!?
It’s not about the luxury of the car (and just for the record, I drive a Hyundai) but rather that I’m enjoying the experience of my life (and car) RIGHT NOW – and also maintaining a structure that provides for future satisfaction and security.
I don’t feel like I’m coming from a place of scarcity or victimhood when I get behind the wheel of the car. I feel like I’m honoring my gifts – and the gifts of those I’m here to serve. I’m coming from a place of strength, security, abundance, and… yes, I’m really going to say this… love. That car represents a larger picture for my finances – and my future.
So I encourage you to create your own financial plan whether you do it yourself or sit down with a financial planner. Design a structure that allows you the grace to give generously, the security to react calmly, the peace to live comfortably, and the permission to play joyfully.
Let me hear from you! What is your biggest mindset challenge when it comes to money? Add your comment below.