Before you set a budget, do this.

Money affects every part of our lives.  As of December 2014, the average US household credit card debt is $15,611.

Before you set a budget do this.
Before you set a budget do this.

Uh, yikes.

If you don’t get things in order it’s not going to improve.

The choices you make every day matter.  Do you know where to start? Sure, you’ve got to have a plan, but how do you set that up?

This series will help you through that process.  But before you do any of that, you must do this.

Because, it is time.

Control of your money, instead of your money controlling you.

[Tweet “Control your money, instead of your money controlling you.   via @itsamyrobles”]

1. Evaluate.

You have to see where you are right now.  Debt is scary enough.  You do not need debt collectors calling you asking for payment.  Is this really how you want to live?

You are so successful at other parts of your life, why are you letting money take this control?  Get mad.  Get so disgusted at this situation that you can’t imagine living another moment like this.  It’s gross.  You’ve got a big ol’ mess that has got to be cleaned up.

Do you feel that?  When I was working the numbers of our debt I was so angry, I felt an intense heat in my stomach.  Seriously, I’ve never felt such rage and disgust.  There’s no use for that. Remember this feeling.  This is going to be heat that keeps you moving forward.

Feel the anger, but don’t beat yourself up over this.  We all make mistakes. It doesn’t matter how you got here. You are taking control now.  You have decided to change the rules of the game.

2. Decide.

You’ve looked at the mess, now make that decision.  You have had enough.  There is no reason for this.

Decide. Right now.  Make that choice that this is the last time you are ever going to be in this situation.

[Tweet “Decide now that you will never be in this mess of debt again. EVER. via @itsamyrobles”]

Set that determination.  Know that you are going to do things you have never done before, even if it feels a little weird or you might be scared.  Why?  Because you are taking control.

You are making such a powerful change in your life that you will never be the same.  Your family will talk about the next few months of your life as the time, “You really got serious.”

They just have no idea how really serious you are about this.

3. Tell someone.

Some call it an “accountability buddy.” Some tell you that you have to show your your debt and plan to a counselor to make progress.  I disagree.

You need to involve someone enough so that there is no “Debt Denial.”  In fact, you are going ask him/her to be your Fin-Friend. Oh yes, you need a Financial Friend.

[Tweet “Avoid Debt Denial. Get a Fin-Friend. And get serious about your beating your debt. via @itsamyrobles”]

What’s a Fin-Friend? He’s not your accountant.  This is not your financial advisor.  You need those.  Just not yet.

Your Fin-Friend is the buddy you trust.  This is the one person you can call at 2am.  They need to hold you accountable.  If you are in the store and you see that absolute cutest dress, or decoration for the house, or gift for your friend…whatever your temptation is you are going to call or text your Fin-Friend and tell him 3 reasons why you need that item.

See how I didn’t say “want that item?”

You are serious about money.  You want control it.

But you know what?

Our society is set up against you.  They want you to spend “just a little more.”  They invite you to “Upsize.”

You need to set up your team.

If you don’t know who to connect with, tweet me.  I’ll be asking you questions, cheering you on and doing my part to help you through this transition.

These are the first few things you need to do to set yourself up for success.

You can do this. You can make an enormous change in your life.

I want to you to do that.

Now, tell me below, the first name of your Fin-Friend.  It’s time to see if you’re going to sit on the sidelines and watch, or if you are ready to jump in the game.



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