5 Steps to Getting Started On Anything

5 Steps to Getting Started On Anything

5 Steps to Getting Started On Anything

One of the most pervasive questions I see written in Facebook groups and educational programs I invest in, or hear people say when they commit to taking on a new habit, project or goal, is, “Where do I start?

I find it fascinating that this question is asked so frequently. Folks don’t seem to try to figure things out on their own first as they used to it seems. I believe it’s because we live in a culture now where humans want instant gratification and they’re used to having information at the fingertips, literally. So, rather than spending a little time upfront, they start by asking where to start.

Get in there and get dirty

If you’re anything like me, you just jump in with both feet, splash around as much as possible, immerse yourself in everything you can, getting soaking wet in the process and see what happens. THEN, if you can’t figure something out, you figure out where to go to find an answer.

My mother was big on teaching us to be resourceful. She said that successful people were the resourceful ones. I know she was right.

Many people, I have noticed, from experience and observation, however, aren’t like me. They’re scared…afraid of failing, petrified of making mistakes, timid, reticent, overwhelmed, fluster easy, and are quick to give up, throwing their hands in the air with that, “I’ll never figure this out!” resignation that only compounds the emotions they were having about starting in the first place. And yes, I know that was a long sentence!

For many years, I led a multi-day teacher training for people who wanted to promote and teach our Camp Millionaire program. The 5-day training was part curriculum training, part ‘how to teach’ training and part personal growth seminar. I realized early on that if they were going to be successful teaching the program, they would need to understand the program, how to teach it, AND they would need to shift who they actually WERE as they taught it.

I knew they would have to practice what they preached and in order to do that, they needed to shift who they were in their own personal world of finances. Sometimes they were where they needed to be, but more often than not, I realized there was a large gap between what they wanted to do and doing it.

I also knew they needed to BE a certain way when it came to both getting the program going in their area as well as teaching the program to the kids. Camp Millionaire is NOT your ordinary boring financial program. It’s playful, fun and organic, which means that it is shaped, to a large extent, by the participants. The ‘organicness’ of the program challenged a lot of trainers’ ways of training. Many were used to following a outline and while we HAVE an outline when we start, I promise you we’re never followed it all the waythrough…not once. And we like it this way!

So, in that training, we had many conversations about ‘getting started.’ I noticed the discomfort, the unease, the shifting of butts in chairs, the avoidance. I also noticed the assuredness of the ones who had already figured a lot of things out financially and, for whatever reason, weren’t afraid to just jump in and give it a try. The energetic difference between the two sides was more than palpable…it was VISIBLE in people’s actions, words and body language.

If you can relate to any of the discomforts above when it comes to getting started on any new habit, project or goal, you are most certainly not alone. My intention is that by the end of this article, you’ll have some new ideas about the process of ‘getting started’ and a new understanding of how successful people become successful in the light of ‘starting/learning something new.’

1)     KNOW WHY YOU’RE STARTING

In order to decide what approach is best for starting a certain thing, it’s a great idea to understand at a core level WHY you’re starting it in the first place.

There are many reasons why we humans start things.

·       We want to make a difference in the world
·       We want to accomplish something for the sheer sake of accomplishing it.
·       We know it will give us pleasure and we’ve always want to learn it, do it, etc.
·       We need something we don’t have.
·       We want to change something about ourselves or the world.
·       We want to build something.
·       We want to make ourselves feel better in some way.
·       We want to impress others for some reason (praised, appreciated)
·       We want to advance in the world in some way (job, money, status)
·       In the long run, it will be easier than not starting it.
·       We’re bored and just want/need to do something.
·       And sometimes we start things simply because we’re interested in something.

By understanding WHY you’re starting something, you’ll have greater insight into whether or not you’ll actually follow through, whether following through is really important to you and how best to approach the process. The intensity of your WHY is directly proportionate to the degree to which you’ll actually succeed with whatever you started.

For example…let’s say you start something because you’re missing something in your life. If the ‘something’ you’re missing is a need rather than a want, you’re far more likely to be persistent and follow through until you get it.

If, however, you’re starting something because of a thing you simply want, your success really depends on how much you want the thing.

Bottom line…know WHY you’re starting in the first place.

2)     END IN SIGHT

Most people I know who are even remotely successful got that way because they had a vision in terms of where they wanted to go in life or what they wanted to create or do. Not all, but most. The caveat is that while they had an ‘idea’ of what the end result would look like, i.e., on what basis they would proclaim their success, they weren’t attached to the exact end result or how they got there. This is a critical point and I personally have noticed that most people who accomplish what they set out to accomplish have this attitude.

Early on in my business career I learned my first lesson: don’t fall in love with our original idea! Why? Because our original ideas are great catalysts, they are rarely where we end of going in the long run.

I teach this philosophy as a personal autopilot of sorts. We all know that airplanes are flown mostly on autopilot these days. One statistic I read years ago said that even though airplanes are on autopilot, they’re still going the wrong direction most of the time.

WHAT? You might be asking about now but stay with me. Autopilot is about ‘correcting’ direction based on a destination. So if you get in a plane in Portland, Oregon headed for New York City, the plane’s navigation knows that NYC is the final destination so every time the plane veers off track even a little, it corrects the navigation so the plane is again headed to NYC.

Life is exactly like this and so is accomplishing something. We know where we want to go but often we’re really not heading in the exact right direction the entire time…heck most of us don’t even know which direction IS the right direction. AND THIS IS COMPLETELY NORMAL.

The point is that STARTING anything requires knowing what FINISHING looks like, even if you don’t know exactly what the end result will be.

3)     BABY STEPS

Baby steps are just that…they are simple steps headed in the right direction or at least headed in the current right direction.

Jan, who used to work with me at Creative Wealth many years ago, had a great philosophy. She always reminded me that we simply needed to look for the next right step. If you take away nothing from this article but that, you’re ahead of the game!

The interesting, and sometimes frustrating, part about baby steps if that some times you take 20 of them forward in one day and sometimes you take 3 steps backwards. On the final day of my teacher trainings, I had a sweet little closing activity that involved dice. I had everyone get on the floor and I passed around a bag of different colored dice, instructing them to each take two.

(Note: if you get all caught up in whether I used the correct word for two dice, let it go. You’re one of the ones who probably gets flustered when you can’t follow the outline. LOL.)

Anyway, I would get their agreement that they all wanted to accomplish something either related to the camps or their own personal financial situation. I would then ask the following questions:

“How many of you think you don’t  know enough yet?”
“How many of you think you’ll never be good enough to do this?”
“How many of you are just scared for whatever reason?”

Most of them raised theirs hands to at least one of those questions. I then asked, “How many of you want to change lives with this information?” They ALL raised their hands!

I proceeded to introduce them to the idea that everything is just a game and to win it or even just to participate, you needed to know, and use, the rules to whatever game you wanted to play.

Sometimes there are a few rules and sometimes, like in financial education and investing, there are a LOT of rules. Herein lies the importance of the answer to the question, “How do you eat an elephant?” (NOTE: please don’t take that question literally…NO one wants to eat an elephant nor does any elephant wish to be eaten!)

We all know the answer…one bite at a time.

Bottom line…learning to do something is best accomplished in bite-sized chunks and sometimes you don’t understand what you’re learning, why it’s important, or even where you’re going to use the information…but it will come together. The point is to keep learning every day. Keep taking baby steps. Even if you only take in one paragraph of an instruction manual or watch one video of a training program or create one web page or write one page in your new book…take a step in the next right direction. You WILL get there.

4)     NEBULA STAGE and FAITH

The Nebula idea is what works for me personally. When I get an idea and then make the decision to actually go for it, I look at it like a nebula…a newly forming star formation floating all around me. Little pieces and parts and steps. Some of it known, much of it unknown as yet. I know that I can’t know how it’s all going to come together but I have faith that it will…and there in lies the key. You have to have faith that it will eventually all come together.

One of my favorite lines ever uttered regularly in a weekly TV series was in the A-Team. At some point in every show, Halibel would say, “I love it when a plan comes together.”

You’ve probably felt that way at least once in your life and hopefully many times. Sometimes the key to getting started lies in our ability to remember that at some point, we’ll be able to utter those words again and have that fabulous feeling when the plan comes together.

5)     PATIENCE IS A VIRTUE

We all know someone who’s wanted to accomplish something, set out to figure it out, got flustered and quit. Perhaps you’ve done this one or many times yourself. This can happen for many reasons:

  • You’re moving too fast.
  • Your expectations are too high or lofty.
  • You want it too quickly.You have forgotten that it takes roughly 10,000 hours to become good at something.
  • Someone convinced you that you should be able to get it right, right off the bat (this is a very common problem in society now).
  • You refuse to ask for help (this is a huge one).

Now, don’t get me wrong. There are many reasons why it’s perfectly fine to quit. Successful people often calling this, ‘knowing when to stop.’

The main reasons to stop working on a project are:

  • You realize you don’t want it badly enough. In other words, you realize that your WHY underneath it wasn’t big enough. This is actually a great reason to stop.
  • You realize you aren’t willing to sacrifice what it will take to accomplish it. This happens often when you miscalculate the time, energy and money it will take to complete a project.
  • You realize it was a dumb idea in the first place (try to laugh during these situations…we’ve ALL done this).
  • Life circumstances simply change and make the project, habits, etc. unrealistic.

Regardless or whether you keep going or you choose to stop for whatever reason, taking enough time and being patient with both the process and yourself is the main key to your sanity.

My second husband who was a pillar of support even after we divorced always told me to stay the course, never give up and just be patient with myself. His words were wise and I always appreciated his continued and gentle push that actually did keep me going on days when I just couldn’t do any more.

Bottom line:

Starting takes work. Breaking through the inertia of staying the same takes work. Learning something new takes work. Life takes work.

Know that going into whatever new habit, project or goal is going to have some work but if we didn’t keep trying new things, what’s the point of this beautiful life we were gifted with in the first place? Laziness, personally, has never suited me. It’s boring and more to the point, I can’t help anyone if I never started things, never created things, never learned new things I could share with others, etc.

So, re-read this article a couple of times. Know your why. Pay attention to your attitude along the way. Meditate if you start feeling impatient. Talk to someone you look up to about what they do to push through ‘those’ moments. Take a break to refresh your drive and passion, keep a journal, get involved with a group doing the same thing, stay engaged.

There are a million and one ways to get support from others and lastly, every morning when wake up, stop for a few minutes and remind yourself why you’re getting up in the first place. The answers may surprise you!

Financial Advisor Mindset: A Practical Framework for Getting Results

ModelFA

Mindset

Watch Those Words – Part 1

Have you ever wondered if there’s a secret to how the top 1% perform?  

It’s really not as much a secret as a formula for getting results.  I’ve used this simple formula for years to conjure a winning attitude for tough tasks and to persevere against the odds. And other financial advisors can tap into the same mindset algorithm to get results.

Is this just another formula?

Fair question.  There are pages upon pages of books on mindset and performance.  So, I welcome your skepticism. I’ll even bet that you’ve read most of those books (or at least more than I have).  You may have even spent hard-earned cash to be coached by one of those performance coaches (that authored one of those books), so you probably feel you have it dialed in.  Right?  

I’m not doubting your pedigree, knowledge or experience … But if you’re like me, you probably still look at the top 1% and wonder, ”How do they do it?”  

What creates momentum?

In a book called “Good to Great” by Jim Collins, there’s a metaphor of a flywheel.  Think of a large wheel that requires several turns before it gains self-sustaining momentum.  A snowball effect of sorts, if you will.  

The flywheel illustrates what makes the top 1% as successful as they are.  Are you ready? 

The answer is Repetition.  

The practice of doing something over and over again actually makes you quite good at something — especially when you do it the right way.  Shooting free throws. Practicing musical scales. Cooking. Parenting. (Well, maybe parenting requires a bit more than just repetition).  

In Malcolm Gladwell’s “Outliers”,the author argues that the road to a sweeping success of The Beatles in the United States was paved by countless nights of playing clubs in the UK.  

In other words, they put in their 10,000 hours.

The first layer—financial advisor mindset.  “Watch those words”

Getting Results FrameworkLet this graphic sink in for just a second.  I want you to think about how the top of the pyramid is what most focus on — results.  However, there are lots of steps before we get to results and it all starts with financial advisor mindset. 

If you only take one thing away from reading this, it should be this. What you believe about something is critical to your success or failure.  

Think about the last dream you had when you were falling.  Do you remember that feeling? Your heart is racing. You may have even broken out into a cold sweat, even though you were only dreaming.  Why is this? It’s because your brain can’t tell the difference between real life and a dream. And since that is the case, you can literally program your thoughts and belief system (“financial advisor mindset”) to affirm the reality that you want to exist.  

You have seen phrases like this, right?

  • This will be the most productive day of my life
  • I will encounter someone today and have a life changing moment
  • I have what it takes to make it to the next level of success

As corny as these “affirming” phrases might be, they are in heavy rotation in the talk tracks of the top 1%.  The opposite is true, as well. If you pollute your thoughts with negative thoughts and beliefs, you are limiting your potential.  

Have you ever caught yourself saying any of these? 

  • I can’t do this.
  • I’m no good at that.
  • There’s no way that can happen.

The power in any set of words is the degree to which we believe what is being said.  And just in case you didn’t know it, you tend to believe what you say to yourself.  

This article was originally published on ModelFA.com

Author Bio:

DOMINIQUE HENDERSON

Dominique Henderson is the founder of DJH Capital Management and director of Client Experience at Brewer Consulting.  He’s spent over two decades in financial services helping clients do more with their life and money — and helping advisors grow their businesses.

How to Raise Financially Intelligent Children…Let Me Count The Ways!

Guess what time it is? It’s financial education for your kids time! It’s time to do whatever you can to ensure that your children have enough financial smarts when they finally leave your house that they can not only survive but thrive out in this seemingly big, scary, exciting world full of opportunity we call adult life. The challenge with ensuring that your kids know what to do with the money they make (assuming they figure out how to make some), is that, generally speaking, parents don’t know what or how to teach their kids and schools either don’t teach them about money or don’t teach them the right stuff to be truly financially responsible in life. So…what’s a parent to do? Well, you have a few choices (some of which we can provide!):
  • You can teach them yourself! And just because YOU don’t know doesn’t mean you can’t learn and then teach them OR learn together. In fact, kids are usually relieved when parents admit they don’t know something and aren’t perfect. Suggest to your kids that you learn together OR you learn first and then share with your kids. And oh, it’s critical that you practice what you’re teaching yourself or the information won’t stick! A simple approach to teaching financial education at home is our Creative Cash for Kids Home Study program. You can learn more at www.innerwealthpublishing.com/creativecashforkids.php
  • You can make sure they are learning in school. If your child’s teacher isn’t teaching financial education, approach them with the idea and even offer to find and purchase a curriculum for the teacher to use. This way not only will YOUR child learn about money and investing but so will lots of other children as well. Our Money Game is a great solution and an easy to use, fun to play and teach financial education program for all. You can learn more at www.winthemoneygame.com.
  • Learn to teach financial education and offer to come into your child’s classroom, or any classroom, and teach the subject yourself. This is extremely helpful since most teachers are so swamped with rules, regulations and testing, they can barely even consider teaching a non-mandated subject. They’ll thank you for this!
  • Which brings up another idea…if it isn’t already, help get financial educated mandated in your state or at least in your school district. Yes, this will take some work but it’s ‘worth’ it in so many ways.
  • Get different money games and have money education events for your kids and their friends at your home on a regular basis. Be crazy and invite entertaining (i.e., not boring) financial professionals in to play with the kids, answer money questions, etc. It’s a great idea to provide prizes and such to get the kids interested in joining you for ‘money nights.’
  • If you have a teen, pay them to read financial books. Pay them $10 to $25 per book but have them do a short report on each chapter and have them tell you what they learned and how they might apply it in their lives. Start with any of the Robert Kiyosaki books and proceed from there. It might be the best investment you make in your child’s eventual independence.
  • Let your child be involved with anything and everything you do regarding money, running the house, investing, insurance, credit cards, etc. The more you expose them to now, the more they will be aware of when they leave home.
  • Send them to a ‘money camp’, like our summer Camp Millionaire or Moving Out! for Teens camps in Santa Barbara. They learn about money, investing, belief systems, assets, liabilities, planning and so much more and they have so much fun doing it. You can check them out at www.campmillionaire.com.
And last, but not least, it’s critical that children grow up knowing it’s perfectly OK to TALK about money. As human beings, we tend to make money ‘mean’ more than it actually is. We tend to think that people with more money are better, smarter, more important, luckier, etc. when in truth, money is just a tool to reach your dreams and help others reach theirs. So, what are you waiting for? Let’s make sure your kids never have to move home after they move out (unless you need or want them to that is!). If you have questions or need guidance, give us a call at 805-957-1024. We’re here to help. Making sure kids learn about money is what we live for!

What You Value May Surprise You

Note: This post was written the week of the Thomas Fire in Ventura/Santa Barbara Counties in California.

This week I have been forced to discover what I value in life, aside from life itself and the lives of people I love (and this includes my dog, Jasmine).

While it was a coincidence, I was on a little week-long retreat in a town about 200 miles north on the coast in Cayucos beginning Friday, the 1st, when the Thomas Fire started in Ventura the following Tuesday. The second coincidence is that my girlfriend, Marilyn, was scheduled to come up that Tuesday…the same day she had a voluntary evacuation from her home in Ventura not less than a mile from the front of the fire!

But coincidences aside, when my boyfriend realized the fire was getting way too close to our home in the foothills of Carpinteria (at the edge of the wilderness no less), he quickly drove home to see what he could do to secure the house and pack up some of our ‘stuff.’

As I’m making a list and texting it to him, it was interesting to note what I valued. Besides the usual files for this and files for that, I wanted 3 paintings that meant something to me and get this…I wanted my clothes.

To heck with the kitchen stuff or the rest of the paintings or anything else, I just really like the clothing I have collected the past 10-15 years. Why? Well, that came with a bit of inquiry but I realized it was because I like to be comfortable and I don’t find most clothing comfortable.

Hence the standard Elisabeth Dress Code: tights, white v-neck men’s t-shirt from Costco and a flannel shirt. Anyone who really knows me knows that most of the time I’m not too far from one of my flannel shirts.

So…he got my clothing, at least most of them. A few sweatshirts hid behind the door which is just fine with me since I already had my favorite tie-dye one!

In addition, he grabbed my favorite (and valuable) Thomas Kinkade paintings and the very first painting I ever bought when I was 25ish.

Deciding what to leave and what to take

What to take in an emergencyI suppose the only way to really know is to ask yourself, “Would I miss this so much I’d never get over it?” Or, “Is the meaning I put on this item worth taking up some of the limited space in my vehicle?” Or, “If this item is destroyed, is it replaceable and if it isn’t, would I be able to function in my business, personal life, etc., without it?”

If the answer is YES to any of these, and you still have room in your car, then you probably should take it.

Also, just as I did, do a little intellectual digging to find out what’s under what you value. In my case, it’s comfort and having choices when it comes to what I put on my body. For me, it’s not about style…I couldn’t care less about styles…it’s literally about comfort.

Finding What You Value

The best thing to do is to have these conversations with yourself and the rest of your family and create a list of the things you’ll grab in an emergency but please do this BEFORE there’s an actual emergency.

When I asked my boyfriend if he grabbed a certain thing, he’s not always sure. Why? Because he was scattered, stressed and little scared of the fire encroaching. And I don’t blame him! I was the same way and I was 200 miles north!

OK, turn off your email, put away Facebook, gather your family and walk around your home to determine what you really value and get that list made pronto (if you don’t already have one that is). I promise, if there’s an emergency in your future, you’ll be so glad you did!

Just something else to think about…

Why We Buy

Why we buy…it’s an interesting question, especially in our America the Great Consummerland.

There is a simple answer and a detailed answer.

The simple answer is “because we like to feel.”

The detailed answer is, well, a little more complicated but here goes…

We buy stuff, called piddlyjunk in our programs, because of how ‘we think’ a certain thing will make us feel. Let me explain…shopping

Let’s say you’re wandering through your favorite clothing store, rummaging through the dresses, and you come across the perfect little something for the office party you’re going to next week. Stop and think about what happens to you emotionally.

You see the dress, something inside you immediately sees how the dress can help make you feel a certain feeling that you’ve been wanting to feel:

  • Liked
  • Sexy
  • Appreciated
  • Desirable
  • Strong
  • Capable
  • In charge
  • And the list goes on.

Whatever it is about you that you don’t feel enough of, is often exactly the emotion that you’ll feel when you see something that ‘you think’ will make you feel the thing you’re missing (i.e., bulleted points above). I hope I didn’t lose you there. LOL.

For a fabulous list of 100 reasons why people why stuff, please read this blog (when you’re done here that is!): http://copytactics.com/why-people-buy-stuff

The interesting thing about consumerism is that it is pretty much driven by human beings sense of lack. I mean, think about it. When a normal, well-adjusted person has enough clothing, he often doesn’t have a drive to buy more until he perceives he needs something. It doesn’t mean he DOES need more…he simply thinks he needs more…often for the same reasons as the list above.

When we have enough, generally speaking, we stop having strong desires to go get more of that thing.

Now off the record, we all know people who buy more stuff even when they have more than enough. These people, especially, are looking to fill an emotional void and it’s often these people who have the more difficult time getting their spending habits under control.

Most of us have happened on the Hoarders TV show at least once and have said, “OMG, what possesses someone to do that?” unless of course, you have some hoarding tendencies yourself. If you do, you might want to consider getting some counseling…stat!

Or just keep reading. You may learn a bit about your ‘stuff’ habit because most of the reasons we do things repetitively is because we’ve allowed our unconscious drives to develop into habits but we’ll save that topic for another day.

The Main Reason We Buy Stuff

My best friend once told me that us human beings are usually struggling with one or more of the following self-concepts:

  • I am lovable
  • I am good enough
  • I am worthy

When a person doesn’t feel they are lovable, or good enough or worthy, they will do practically anything to find ways to feel lovable, good enough or worthy.

Stop and think about your own life and habits, especially your money habits, right now. Which one or more of the above three self-concepts do you personally struggle with?

Even though we’re looking at our financial habits right now, if one of the above really hits home, you will probably find that many of your habits in other areas of your life are also driven by the same incorrect self-concepts.

After all…you ARE lovable, you ARE good enough, and you ARE worthy.

One of our favorite sayings by Cheryl Huber that we teach at Creative Wealth is:

“How you do one thing is how you do EVERYthing.”

We have found it particular useful when it’s time to truly look at your life and make changes.

Some common reasons people buy…and they’re not in any particular order.

To get attention: when was the last time you bought a sexy dress or new shirt in order to get the attention of someone for any number of reasons: you want to date them, you want your boss to like you, you want society to acknowledge you and on and on.

To feel connected or a sense of belonging: let’s face it…we’ve all seen that certain groups of people, whether socioeconomic, career, sports, ethnicity and even gender, have certain types of clothing, cars, houses, vacations, etc., that the majority of people IN these groups relate to and are actually used to define the group so to speak. It only makes sense, then, that some people will buy a certain thing because it’s what the group they want to belong to has.

By the way, buying gifts is often for the feeling of connectedness but also for appreciation. We’ve all known people who got us gifts in order for us to make them feel good about what they did ‘for us.’ If you really want to give a gift and do it with pure intention, gift it anonymously. Try this and see how it feels. You might enjoy the feeling.

As I’m writing this and contemplating the different reasons people buy stuff, I find that every reason seems to circle back to one of these two reasons. AND it allllllll boils down to my original simple answer:

We buy stuff because of how ‘we think’ it’s going to make us feel.

How to improve your buying habits

These are some simple ‘buying hacks’ for helping you feel more in control of your buying, i.e., spending. Hope they help!

My favorite question of all to ask myself…”Can I do without it today?”

Virtually 100% of the time, the answer is YES, I can do without it today. Then I go about my day and rarely think about whatever it was ever again. If I DO continue thinking about it, I ask myself this next question.

2) Ask yourself, “What is it I think I’ll feel if I buy this?”

You have to be willing to be honest with yourself. There’s no shame in not feeling lovable or worthy or good enough and when you finally discover what’s underneath a lot of your buying habits, you can create new, healthier habits that actually take you down the financial road you’d rather be traveling.

Another note is that when you DO realize what’s underneath it all, there are a LOT of ways to improve your self-concept. One of my favorite personal growth guys is Kyle Cease. I’ve never laughed so hard and gotten so much use out of one man’s insight and wisdom in my life.

3) If you DO buy something you probably didn’t need, LEAVE THE TAGS on it and staple or tape the receipt to the item. Set an event in your phone or computer for a couple of days before the ‘return by’ date and make a new deal with yourself. If you don’t use it or wear it by then, TAKE IT BACK!

4) Ask questions. Why do you want it? Why do you want that particular brand? What is it about this thing you think you need that will fill whatever void you happen to be feeling? What perceived lack (because all lack is a perception…heck, all of LIFE is a perception) do you think this thing will fill?

Just keep asking questions and if you’re the journaling type then journal your little heart away until you figure it out.

Our financial habits always add up in the end. This is one of our 30 Creative Wealth Principles (aka rules to the money game) that teaches us that where we end up financially is completely dependent on our money habits.

Buying stuff, regardless of the reason(s), will either take us toward the goals we want to achieve financially or away from those goals. It’s up to you to unearth your own reasons for buying and get those unhealthy habits turned around.

So…why do YOU buy? Please post your comments below…we love to get feedback from our readers.