A lot of what I write is directed towards people who have been managing their money for a long time.
But in case you stumbled on this blog and you feel like you’re one bill away from bankruptcy, I thought I’d write a post for you.
Let’s say that money scares you. You don’t look at you credit card bills, you don’t know what your credit score is, you haven’t even thought about retirement. That’s a long time away.
But you know that something has to change. You know you’ve got a lot of debt, and spending feels scary, and it never feels like you have anything approaching control around your money.
There is ONE thing you need to do. One thing only.
I’m not going to tell you what that is, yet. First, I want you to figure something out.
When is the first time in your day when you sit in front of a computer or phone?
Do you get up early in the morning like me and go upstairs to your desk and start checking your email?
Do you get up, throw some clothes on, grab a protein bar, then start scrolling through your phone on the train (or you did, before Covid)?
Do you feed the kids, get them off to school, drive yourself to work, then sit down at your desk and open your work laptop (again, before Covid)?
Figure out when that is. Then, make a decision to take five minutes tomorrow, when you first get in front of your devise, to open Notes, or Google Sheets, or your email browser, and write some numbers down.
Don’t panic!!! Let me finish.Continue reading ““I’m Drowning. There’s No Way I Can Get Better at Money. What Do I Do?””