Wednesday, September 8, 2010

Falling off the Wagon or Just Getting Lazy?

As some of you know, I'm working on an updated edition of IOU NO MORE and a BUDGET BOOT CAMP audio and workbook home study workshop.  As I've worked away on the project, I've become aware at how lax I've become in financial matters over the last couple years.

It's not like my Bride and I have started ringing up credit card debt again, or took out a car loan or something, but a lot of cash has flowed through my fingers in frivolous spending.  I'm sad about that.  I've been really good about the big things, but little leaks have meant that we have not saved as much as we should. 

So, while I haven't fallen off the wagon, I have certainly become somewhat financially lazy.  I wanted to share it with you for a couple of reasons.  First, by making my own foibles public, I add a layer of accountability to my life.  Secondly, I am hoping that it will help others will understand that money management is a lifetime commitment like our health.  We all make mistakes.  I am a fellow traveler.  On beggar showing another where to find bread.

In some ways, being debt free (except for the mortgage) has been more difficult that trying to become debt free.  It's been easier to lose intensity.  So I'm it the process of trying to refocus and get back on track with my financial goals.  And my goals are lofty ones.


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