Decisions, Decisions

To spend more than we make, or to save more than we spend – now, that is the question! 

 It’s our money, right? No one can force our hands. You and I welcome each new day facing an old decision. We decide whether we will strategize and execute a financial plan or fly by the seat of our pants. We choose whether we will pay attention to our financial happenings or ignore them and let the chips fall where they may. We make up in our own minds whether we will frivolously spend our hard earned cash or save with the future in view. It’s all up to us.

I track my spending because to do otherwise drives me bonkers. I don’t like playing the guessing game with my money. I pay close attention to my financial activities because I don’t like surprises. I stopped using credit cards years ago so that I could move away from having my creditors dictate where my money is invested and towards controlling my own financial planning.

These are decisions and declarations you and I must make because they’re part of accepting the responsibility of living, giving, and spending as free agents who are influenced only by the Spirit of God. So, throw away our checkbook registers or keep them hidden in desk drawers? I think not! Avoid sound financial planning? Never! Get as much financial education and training as we need and prepare to succeed? Absolutely! 

We will and we must discipline ourselves to sacrifice the necessary time to record and examine where we are, what we’re doing, and how close or distant we are to reaching our financial objectives. Then, we must adjust our financial decisions and movements accordingly. After all, that’s what free, responsible people do!