If there is one thing that separates the goal-oriented from the wanderers, the strong from the weak, and the successful from the failures; it is PERSEVERANCE through the thick and the thin. This is true if you are trying to become fit physically or financially. While this is such a simple concept, in practice it's very hard. But anything that is hard to do will be worth it in the long run, right?
I want you to take a look at your life. You've got things that are going well and things that aren't. Look at the goals you may have set at the beginning of the year. If you don't have any, think about what you want out of your life and future. What are your financial goals? Do you want to get out of debt? Save for a rainy day or retirement? Have more money to give and help those around you? Whatever your goals, have you accomplished anything towards them or are they sitting untouched on the shelf or in the drawer where you put them? If you aren't moving toward a goal, why is that? Personal finance is exactly that, personal. It's not just about knowing how to do math. By and large it's about the many emotional and behavioral strings attached to those numbers.
Remember, some progress is better than none. It's the slow and steady mentality that you want; crockpot not microwave. As frustrating as it is, there is no shortcut to any place worth going. Maybe it's the optimist in me, but no matter what your circumstances financially or otherwise, a good dose of perseverance will keep you going along the way. Because the sun eventually will come out tomorrow. Please don't be so hard on yourself that you quit altogether. After all, taking two steps forward and one step back will still get you to your dreams.
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