What Happened to the $27.00 Bra Girl – Part 2

Goals are important but life sometimes just happens.

Without Tessa’s plan, in the early days, I have no idea what we would have done.

Achieving a goal that you have looked forward to and worked hard for is a feeling of victory and accomplishment that cannot be duplicated. We could list the things we have given up or not done or not had to achieve them. We have made mistakes that have delayed our goals and we have also fast tracked to achieve others. I have laid awake at night worried if our goals are too big or if we are not doing enough. My husband has not. He and Tessa are very similar in this way. They see bumps in the road as just that, a bump on their path. This has been my biggest lesson and challenge. My mother will often tell me ‘sometimes life just happens’.

As well prepared or as well intended, you are, sometimes life just happens. Our dog gets sick right before a final payment on a trip is due, we have dinner plans with friends from out of town and realize my math was wrong when managing the ‘entertainment funds’, I attempt to transfer my household grocery money into our joint account but transfer it into my RRSP, the list can go on. Each time a delay or bump in the financial path has happened, I have learned it is more important to just keep on the path than it is to waste time worrying about what we could have done differently because for the most part there is very little I could have changed to make a real impact on the outcome. I will not be arrested by the Visa police if I do not pay off one month in full, but I have learned to check my math twice (and that my husband’s math skills are better than mine….) Our little dogs make our home so enjoyable and the trip to see my brother marry the love of his life with 50 of our family and friends was worth every penny from each account we took it from.

Tessa’s view on financial planning is very clearly laid out in her book and I realized not everyone would have the opportunity to hear her speak and hear how motivated and dedicated she is to improve other lives. Not everyone will be brought a hot cup of tea, by her wonderful husband, soon after being told that a $27 bra was not an essential purchase.

The plan is tough. Sometimes it outright angers you to be on it. Sometimes in makes you cry because you’re convinced no one else lives this way.   Sometime it makes you the happiest person on earth. Sometime you have no idea what your life would be like without it.

Our journey is different now we have a wonderful daughter. Our plans and goals have changed. Our daughter’s education is our main priority. Anyone who knows Tessa, is very aware how much value she places on education. We have already begun the journey by setting up her Registered Education Savings Plan.

We will keep you posted on this new focus.

ASK, KNOW AND FOCUS

In last week’s blog post, Lisa told her story. She spoke about the choices she made which enabled her to alter her financial situation.

Here are three decisions Lisa made which changed her financial circumstances.

Decision #1   She Asked For Help

Many times we are confronted with problems or situations in our lives where help is needed. At times, we hold ourselves back by not asking for advice.

I am frequently told the reason for not seeking assistance is the fear of what the person may think. This never is a good reason to prevent anyone from seeking guidance.

What did Lisa do right? She asked for help.

Lisa did not stop to consider whether I would judge her. She did not let fear take her opportunity for a better financial life away from her. She mustered up the courage, approached me, and asked for assistance.

This is all that has to be done. Never be too scared or secretive to seek advice. Especially when dealing with a situation you are not trained to manage.

Decision#2 Know What You Want

Lisa knew what she wanted. In her own words, she said. “I am overwhelmed with my financial situation. I want to pay off my credit card debts and take my family on a vacation.”

She gave me two clear and concise goals.

I asked her whether she was prepared to work towards those goals on a daily basis? Lisa agreed.

I became her Financial Planner or her navigational system. Our journey together began. Lisa met with me every Tuesday from 6pm to 8pm. This went on for one year.

As a Financial Planner, we are on the journey with you. It is our job to show you the gains and the pitfalls of your choices. She told me what she wanted and I showed her how to get it. We are an essential part of making sure you achieve the goals you set.

She knew she needed guidance, saw an opportunity and took it.   Today Lisa is reaping the benefits of seeking assistance.

Decision #3 Focus On Attaining You Goal

  • Hold your goals in the forefront of your mind.
  • Attend all the appointments you make.
  • Do the homework that is given.
  • Celebrate small successes.
  • If you meet a detour on your way, reroute but stay focused on your destination.
  • Let the important people in your life know what you are working on.
  • Talk to the children in the family about the goals.
  • Empower them with minor task.
  • Let them choose the vacation spot.
  • Have weekly family meetings about the goals.
  • Discuss what changes will be made once the goals have been achieved.
  • Where appropriate share with others the details of your journey.

Most of all re-visit your goals regularly. This should be done at the very least annually.

The Reason I Choose To Blog Publicly

I have been blogging for over five years. During those five years, I have helped many people get out of debt; purchase homes they can afford and develop better saving habits.

The reason I choose to blog publicly because I have knowledge as a Financial Planner that I wanted to share with others. The advice I give in person or through emails is always free of charge. Blogging enables me to reach out to people all over the world.

My blogging topics will continue to be on finance. My mission is to connect with as many people as possible that needs help and advice to successfully manage their finances.

There is a big need for proper financial management many are stuck and I have the skills to guide them to find a way out.   The knowledge and training I have I enable to see opportunities, where those that are dealing with the financial crises are unable to see the other choices that are available to them.

Also I am planning to incorporate a life skill aspect to my blog because I realize that many life skill habits create poor financial choices. When proper life skills are learned and develop we are able to make better choices both in our financial and personal life.

If I am able to successfully blog throughout the next year, I hope to enlighten, educate and encourage others to successfully manage their finances and personal life.