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Financial Wisdom

How do you navigate challenging financial seasons?  Have you ever been so financially overwhelmed that you wondered how you were going to make ends meet so that you could come out better on the other side?  Were you afraid, depressed, or felt a sense of insecurity after you looked at your bank account?  How did this affect your relationship?  Financial problems are part of the top 5 reasons that relationships end. 

When our emotional security is too tightly linked to our financial security, and our finances fail, so do we.  As we fall, we usually drag others down in our tailspin. We often end up in financially difficult situations by not living on a budget, lacking a good understanding of personal finances, being unprepared for emergencies and unexpected expenses, confusing wants with needs, and impulse buying.  Do any of these reasons, sound like the reason, you ended up with more debt than you ever wanted to carry? 

So, how do you become more financially savvy?  First, I would recommend surrounding yourself with wise people who can guide and mentor you so that you have the knowledge to make informed decisions.  Secondly,  I would advise seeking knowledge through books, seminars, and other media that is not geared to taking your money but there to help you learn how to invest and save your money.  Lastly, I would recommend you learn how to meditate, this can be done in numerous ways.  Taking the time to decide if that purchase is necessary or by taking the time to research that certain product to see if it is less somewhere else or is it even worth purchasing at all.

Tax season is right around the corner and for some, that means a new (old) car is on the horizon.  Instead of saving, researching and meditating on a car, many find themselves heading to a car lot or some ad and purchasing a car based on a name or it's appeal due to the rims, audio system, or the reputation of a particular model.  While searching for my car, the dealer told me that he was selling me the car for less than the car was worth and if I didn't purchase it then, then he was going to take it off the market and raise the price by a few thousands because he knew tax season was right around the corner.  Although the car had a salvage title and some dents in it, he still knew that he could sell the car with no worries.  Although these cars and other major purchases might seem to be the right thing to purchase at the time, not knowing how to manage your finances will leave you with a repossession on your credit, expensive shop repairs, and/or even more debt than you began with.  I have to be honest and admit that I have not been the best steward of my money throughout my years but I took my own advice and started to strive to be better and smarter with my money in the way I purchased, saved and invested.  I might not be considered rich in monetary sense but I am rich in health and comfortable financially.  "Getting wisdom is the wisest thing you can do!  And whatever else you do, develop good judgement." Proverbs 4:7 #SPEAK2MYHEART

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