I have posted quite a few articles on here about physical fitness and now my husband and I are trying to get financially fit as well. I think a lot of the same rules apply. I didn’t really begin to get physically fit until I was literally sick and tired of being overweight. I was embarrassed that every time I did even a little exercise, I got winded and red faced. And you know, as the saying goes, I was sick and tired of being sick and tired. Only then did I begin to do something, starting with monitoring my calorie intake and then building up an exercise routine, increasing the intensity over
I believe that financial fitness is much the same. You have to be sick of being broke, tired of debt, and ready to make a change. I have reached that point in my life. I am so exhausted living with the feeling that we have to live holding our breath until the next paycheck hits the account, in fear of over-drafting. There are times when it feels like there is no solution: if we keep more money in our account, our debt will never get paid off. It is a never ending cycle and I know I am not the only one caught up in it. Of course, when anything unexpected occurs, like an illness or a flat tire, we’re back to square one.
After a lengthy conversation over the weekend my husband and I are ready to get financially fit. This is important: you and your spouse must be eye to eye on this or it will not work. One person cannot fight this battle, you have to be a team. We are forming a game plan, and hope that the rest of this year we can focus on building savings, minimizing purchases and paying off debt, once and for all.