Why Not?

One of the most frustrating things I come across daily within my own life and those of others is limiting your life because you simply cannot do something. I for one seem to face this dilemma every day whether it be at work, in the gym or in my own personal life. It's made me wonder why must I always look to the negative (and mostly) the easy option by opting out of whatever I want to do.

Finances

An example of this is facing my credit card bill, when I get that notification email stating my account balance is in I will ignore it up until the last few days before payment is due and then I will take a quick glance and then pay it. This is a poor habit in mindset because it does not let reflect on any unnecessary spending habits that I may have accrued during that month and I am unable to learn from any mistakes in the past. I choose to ignore the credit card bill because I don't want to face the reality of what has happened during the month even though I very well have a rough idea of any silly purchases I have made.

As I have goals to attain some sort of financial wealth in the next 10-15 years, it's a necessity that I start looking at my finances weekly until I get my spending habits in order. To understand finances better we must continue to do the basics:

• Check our account balances once a week;
• Open bills AS SOON AS YOU RECEIVE THEM and PAY THEM AS SOON AS POSSIBLE;
• Create a budget;
• Begin to get out of debt; and
• Set longer term financial goals.

So far I've managed to create a budget and set longer term financial goals but I still need to work on checking my account balance and opening bills/paying bills as soon as possible. With regards to debt, the only major debt I have at moment is my HECS debt and to be honest I don't see any value in downplaying that debt any quicker due it's low interest rate compared to storing my money in other investment devices. A good article for further tips is here.

Health & Fitness

The biggest issue that those facing major health & fitness goals is get yourself into the right mindset through your desire and using this desire to create the motivation to achieve those goals. Too often I hear excuses of people being unable to do something because they simply physically can't but the solution to rectify the issue is right in front of them, they choose not to go down that route. I guess what I'm saying is whenever we feel down and out chasing our dreams we must take things in perspective and realise that what we're embarking on has been done before, it will hurt but it's for a good cause and overall we must enjoy what we're doing instead of believing that dieting or exercising is the devil in our life.

Overall, instead of saying I can't do something because of a reason. Ask your what is that reason and how can I remove that reason.?This is a better way of getting perspective on the problem you are facing and can offer alternate views and possibly finding alternative ways in addressing the issue to lead to further success.