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When it comes to our personal finances, we always feel like we never have enough money, which consequently causes us to falsely believe the narrative that this is the real issue. It is not. The real issue is that we have a propensity to spend all of our income as soon as we get it; mostly on non-essential, frivolous things.

When looked at objectively, it makes sense that we’ve developed these habits. Since we live in a society that wants what it wants when it wants it, we are encouraged to act impulsively because we must have everything right away.

In our culture, we are incentivized with easy monthly payments. This feeds the instant gratification beast that keeps us enslaved to debt and causes us stress and depression. Furthermore, these ‘easy’ monthly payments cause us to create a vicious never-ending cycle of living paycheck to paycheck, payment to payment.

flushing money down the drain

But, truly thinking deeply, incentives only work if YOU allow yourself to be incentivized. Instant gratification is the enemy of true happiness. Thus impulse purchases are the primary contributor to people not following through on their budgets which perpetually feeds the beast.

Our wants expend whatever income we acquire so the REAL issue that we mentioned above can be attributed to a lack of discipline not a lack of money.

It’s not the money but rather what we do with it that counts. Struggling with money becomes an everyday norm, despite the amount of income we take in if we cannot discipline ourselves financially.


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Self-Discipline: The Ability To Control One’s Feelings and Overcome One’s Weaknesses

Self-discipline is the key to getting out of debt, saving money and being financially free.

Disciplining ourselves is no easy task, especially when money has a tendency to burn holes in our pockets. But the good news is that we can shift our thinking and reset our minds so that we no longer have to live our lives broke.

Developing discipline takes time but is a necessary skill to acquire to get ahead and stay ahead financially. The cool thing about discipline is that we don’t have to worry about mastering it overnight we just have to apply it consistently, one step at a time, to be able to achieve the results we want.

Another neat aspect, more of a reward really, is that once we develop discipline in the financial area of our lives we naturally start to develop self-discipline in other areas of our lives as well.

If we are willing to make sacrifices to get to where we want to be our efforts will pay us back tenfold.  We can all develop financial discipline, anyone can do it, it just takes a willingness to change and create new habits.

Just like spending discipline is a habit, so stop making excuses, start making sacrifices and get big rewards.

To succeed financially success starts with us. We are in the driver’s seat, it’s time we take control.

Written by JOHN SELVEY

My thirst for knowledge, love for business and finance, along with my lifelong enthusiasm for writing and computer science pushed me into furthering my education through courses on business finance, personal finance, digital strategy, and web development. In addition to my educational pursuits, I have spent 10+ years in customer service with 2 of those years spent in the banking industry. In 2015 I became a father for the first time. And since, I have been dedicated to building a strong foundation for my family and community by pursuing my passions and utilizing my extensive background in customer service to start a small web production business with my wife.

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