It's Time To Get It Right

And what better time for you to start?

Now here's the best part. You.

I got you! Managing your finances has been a roller coaster ride. Then a pandemic worsened it. The rising cost of food and utilities made the recurring bills seem sooner than expected.

You hinged on a credit card lifeline; with it, it is the only way to get by.

The thought of saving far fetched; how can you think of it when you have less?

Yes, I know it all too well, my friend. I've been there too.

I even adopted an if-only mindset to blame for my financial stress.

If- only I earned $200 extra, I could commit to starting saving.

If- only I didn't have to pay the rent expense, things might have been different.

Back then, I blamed everything for my financial problems.

Something changed my perspective to a new beginning.

A woman who worked in my home two days per week doing household duties handed me an envelope one day with $20,000 and papers requesting my signature.

She said. "This is savings from the money you paid me over the past two years. I figure it has become too risky to keep it for much longer under the mattress where I slept." She continued. But my prospect banker wants verification of where the money came from…."

Dumbstruck by her determination and accomplishment, a tinge of jealousy overcame me — Damn, If only I had done my laundry, I could have saved all that money.

But instead of harboring envy, I adopted her mindset and committed to spending less and start saving."

Still, it didn't stop me from thinking, how could someone save so much from so little? Household help in my country was cheap back in the day. So for me, employing service was an act of kindness to help someone in need.

Time flies but so makes my money.

It's been 25 years—the first few weeks of a brand new year.

At the time, I was living from paycheck to paycheck.

At first, saving $20 monthly took a lot of work with my budget. But soon, my savings became less of a burden and more compulsory.

Today I was in awe opening an annual statement from the banker where I saved that money.

My $20 is now worth over 5 million dollars!!

Hold your breath. I'm not wealthy; this money is in my local currency.

My point is that my $20 savings would have been unaccounted for all those years. But with consistency and compounded interest, my $20 grew exponentially.

We spend unnecessarily without conscientious thinking.

We buy things we don't need compulsively without putting aside little savings.

But what if I tell you even with mounting credit card debts and having less, you can still save from the little you get?

All you need is a different mindset and a commitment that I promise you'll never regret.

I now have a healthy saving habit. I have several different ways of doing it. But the most important thing is I got it right by getting started.

I may not be the most qualified to advise you, but I don't need a finance degree to encourage you.

I was inspired by someone who never even went to high school.

Our circumstances might be different—only you know your spending habits and what you need to change to make a difference.

What better time to start than right where you are?

If you are battling spending compulsion or have a success story of savings or getting out of debt, I would love to hear them in the comments. You are never alone. Be bold and tell your story. You'll never know who can get you help.

Happy New Year, and thank you for reading me.

Yana Bostongirl article “The Moron Who Blatantly Plagiarized My Article Here is Doing the Same to My Viral NewsBreak Articles” reminds us that we can emulate and learn from each other, but there is a proper way.

In Christina's article. ‘As a Parent, Sometimes (Often) Our Child Is Our Greatest Teachers” Christina mentioned lessons learned from her son. It is just a reminder that no matter how qualified we think we are. There is always room for learning; the lessons can come from anyone.