There is an old indian fable that says there are two types of dogs in all of us; a black dog and a white dog. Whichever dog you feed more will become stronger and when they fight will win the fight most of the time. Success in finances definitely depends on which dog you feed.
Money is neutral; it is neither good nor bad. The person stewarding the money can do great good or make a wreckage of their life and of others around them. The scale of the money determines how much good or how quickly the wreckage can occur. As Dave Ramsey says, “Do rich people things and you will become rich people. Do poor people things and you will become poor people.”
So here are 5 ways to help motivate you to have the strength to say no to the pleasures of today. To pay now and enjoy later. To live like no one else so later you can live like no one else.
1. Pray for a proper perspective that matches God. Everything is the Lord’s. Psalm 24:1- 2 states, “The earth is the Lord’s, and everything in it, the world, and all who live in it, for he founded it upon the seas and established it upon the waters.” Without this heart change there is no way to make the ultimate financial decisions.
2. Start with the end in mind. Why say no and why be disciplined? These are questions you need to be able to answer.
3. Decide what you want life to be like in 10 years and write it out. Decisions that are made today need to be made on a 10 year or longer mind-set. This is done when your goals and dreams are written out. Trust me when I say written out, otherwise they will soon be forgotten.
4. Post a picture of what you are aiming at. Giving in your community, big house, freedom… something that puts it in a picture. Visualizing is key if we can see what we are shooting at it. These visual reminders will give you motivation on tough days.
5. Listen to podcasts to inspire. I listen to Dave Ramsey, Joyce Meyer, Joel Olsteen, Michael Hyatt, and Zig Ziglar. All of these speakers or preachers help me to stay the course.
There are many more tools than this, but these are my main five. These are visual and auditory reminders of the goal that is greater than the want of today. These things help my wife and I stay motivated to dig out of debt and save for our future. With each passing day we have moved closer to our dream and I believe you can too if you do these things and set your mind on things above and not onthings of today.
What things have you done to make better long-term decisions with money?