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Monday, July 6, 2015

Not so happy days, do come and go

These past few days are dark and gloomy due to the very bad weather. These days are those kinds when mosquitoes thrive and when your body malaise just won’t go away.

Days like these are almost all present in this journey to financial freedom.

When someone asks me how I’m doing, I would always say I’m a work in progress (WIP) but is in a much better state compared to where I was last year and a few years ago. I’m a WIP because I have days, very bad days when I feel like I’m getting nowhere (well hello! most of our plans are medium–and long–term plans) and when I feel like I should do something more.

Thinking about it, gloomy days come to me when pangs of guilt and regret for not starting early with this journey bite me. There would be times when I find myself saying, “if only I had started these 5 years ago, then we would’ve already been enjoying some of the plans.” And I can’t stop these gloomy days from coming. They will come and come and it’s really up to me if I want to get eaten up. And it all depends on how I’m going to react.

Let me share a few tips below how to get you going despite not-so-happy days:

·         Recite the Serenity Prayer again and again, again and again.
God, give me grace to accept with serenity
the things that cannot be changed,
Courage to change the things
which should be changed,
and the Wisdom to distinguish
the one from the other.
Living one day at a time,
Enjoying one moment at a time,
Accepting hardship as a pathway to peace,
Taking, as Jesus did,
This sinful world as it is,
Not as I would have it,
Trusting that You will make all things right,
If I surrender to Your will,
So that I may be reasonably happy in this life,
And supremely happy with You forever in the next.

·         Revisit your list of financial goals and see how much you’ve progressed. The list won’t only remind you the reasons why you are doing this journey but it will also tell you how much you’ve progressed such as how much you’ve saved up in your emergency account or your retirement fund when few years ago you had nothing. Also, if you're doing some sharing and talks regarding this journey, you might want to count the number of talks/people you've done it with. You may not have touched them all but you did your part to reach out to them. :)

·         Talk about it with your partner/family, mentor, or friends who are also in this journey. Just like what this craze of the 5 Love Languages is telling us, we all need acts of affirmation. To hear that what you’re doing is right and that you’re on the right track is like being given a short and comfortable limo ride. It makes the travel seem fast and light despite the fact that you still are the driver: stepping on the gas, changing gears, and stepping on the brakes, etc. except that you have quite a few cheers here and there while doing it.

·         Visit and read websites and books on personal finance and whatnot. You’ll be surprised with the amount of inspiration and ideas you can get from the sites below (to name a few) and I am forever thankful that they exist:

·         Always remember that the personal finance journey is a marathon, not a race. It’s always about discipline, consistency, and attitude. Most of all, it’s all about you. It’s your choice, your dreams, and your life you’re running for. It’s all up to you how to take control of it.

How about you? How do you tackle not-so-sunny days? :)

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