Becoming financially independent can be challenging as well as rewarding when you see the progress you are making. Staying on track can be equally challenging as you may have a budget that may seem challenging at the start, such as being encouraged to eat at restaurants more than your budget allows because your friends are doing it. You need to talk to your friends about your goals so they will understand and help you along your journey. You can't always do it alone. If you are in a relationship talk about your goals so you both are on the same page.
If you feel discouraged and disheartened as your money goals feel too complicated and you don't like your new lifestyle, remember the end goal. You may find a vison board helpful to remind you of your end goal. Consider the internal and external motivation. Going off track can feel right and good for the moment but terrible later on. Refocus and get back on track. Remember the why, what was challenging, work on the challenges and then refocus. It is normal to go off track as your new journey is a learning experience but can be a rewarding one. If you are doing something new such as investing in shares, bonds, self-managed super fund or real-estate learn something new about to topic to reignite your motivation to remain on track. Talk to people about what you are doing (only those who understand and can support you as some people are not on the same journey and may discourage you) which can help improve motivation and develop your thoughts around your goals. Staying on track and focusing on your goals is a work in progress. Sometimes we need to go off track to learn something new, so take the learning out of it. Going off track may mean you need to experience what you don't want so you can focus on what you do want. Going off track can be the motivator you need to stay on track so appreciate every step you take and keep reviewing your journey.
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AuthorArticles about mental health, money and behavior Archives
February 2024
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