Food, Finance, and… Fones

If there is food in front of me, I eat it.  There is no but I’ve had enough or well it’s not healthy food so….  or I had fried chicken last night.

No.  If there is food in front of me, I eat it.  Period.

Also, I don’t work out so much anymore.  And when I do go to the gym, I get bored easily.  I walk around looking for things to do because Smokin’ Hot Wife is in a class, and if someone is at a station, I move on to something else.

You wouldn’t believe how often “someone is at a station.”

I end up walking… slowly… for like an hour.

I’m also addicted to my phone.  It’s not something I even want to do.  It’s just there beside me so I’ll pick it up to check my messages and put it down.  After I put it down, I’ll pick it up to check my messages.  It happens time and time again.

I don’t know for sure, but I think these are the same habits that addicts fight.  These three areas are the most recent in my life that have surfaced unapologetically.  They have all made me realize the lack of self-control that I possess.

Now, I have to wage war on my eating patterns, my workout habits, and my cell phone.  But how do I do that?  I’ve obviously had thoughts before to rid myself of all that which hinders me from my better self.  Even more obvious is the fact that nothing has changed.  Why is that?

Well, there is another story about a habit (that is none of your business at this time) that I was trying to break in college.

One day, upon deciding that this particular habit had controlled me for long enough, I wrote out a schedule for every single day.  My wake up and eat times were planned down to the minute.  Homework, walking to and from class, naps, watching Shrek, you name it, it was on my schedule.

What’s more, I stuck to my schedule every day.  And I controlled my terrible habit for 3 months.  Fascinating, right?

But then I regressed.

Or relapsed.  Whatever you wanna call it.  And why?  Because I lacked another tool:  accountability.

Has anyone ever said anything along the lines of You are the only one who can truly hold you accountable… ?

If so, they’re wrong.

What has this to do with money?  You may find yourself asking.  Hang on, dang it.

I wrote a short book about how to budget, and it’s a great tool.  A budget is a plan.  It is the underlying factor of ALL wealth and stability.  The book I wrote can help you build a budget, but unless you have some even more basic behavioral issues handled, creating a chart in a spreadsheet won’t amount to much.  Rarely is the issue one of incompetence.  Everyone is smart enough to write numbers on a piece of paper.

A brilliant man once said that budgeting is telling your money where to go, not asking where it went.

If it isn’t already clear, the first step is planning.  Budgeting is just that, a plan.  Plans can change.  Life happens.  “Emergencies” present themselves.  So don’t treat your plan as God’s Holy Word.  Give yourself some grace, and practice step 2:  self control.

Setting a budget is easy.  Writing down a plan is easy.  Sticking to a plan is not.

I have set up specific plans for all three of my current struggles.  I’m not going to share them with you because I don’t know what any of that has to do with why you’re broke.

Challenging myself to stay on track with these plans is the method I’ve chosen in order to strengthen self-control.  I don’t know if it works.  I only know that God’s actual Holy Word puts significant emphasis on the subject.

A man without self-control is like a city broken into and left without walls.

–  Proverbs chapter something verse something…

I don’t know exactly what that means… I just want my walls standing at all times.

Practice self-control.  You are stronger than you think.

However, you’re also weaker than you think.  The habit I fought in college has gone away, but it wouldn’t stay away if not for accountability in the form of my wife (accountability is beautiful in my case).

When it comes to your budget, who are you nervous to lie to?  Who would be disappointed in your spending?  Who are you certain would not buy in to your justification for making your last purchase?  Whoever it is needs to be your money buddy.  I don’t call them accountability partners anymore.  I got tired of using the term years ago.

Money is just like any other area.  You are smart enough to plan a budget on your own.  You are strong enough to stick to that budget for months…. And you are NOT strong enough to finish the race alone.

Do not conform, and screw debt.

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