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This is money for emergencies. The usual advice is to have enough money where you can survive 3-6 months in case your income stops for whatever reason. This is basically 3-6 months of expenses. Add up the total amount of money you spend per month (everything included). If you have annual expenses like property tax and/or semi-annual expenses like car insurance, just divide it up so you have a monthly figure and include that with the total amount.
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Are you considered a quitter when you give up? That depends on what you are giving up on. Now I’m not talking about quitting a bad habit, I’m actually talking about quitting your pursuit of a goal. I’m sure you have been told that in order to become successful, you must persevere, fight, stand up whenever you fall, and march forward until the end. I say those things to people all the time, so why am I telling you now that sometimes it is actually better to quit? The reason is because in certain cases, you could only go forward if you go back.
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The common theme in all of these ways to keep your focus is to constantly keep your goal on your mind. Making an effort to stay focused on your goal is a lot easier if it’s a major goal that you have an intense desire to achieve.
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I then started to wonder what I would wish I had spent my spare time doing if it was 10 years from now. My teenage years are long gone but I still have right now. I’m going to spend it more wisely than I did in the past.
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Improvements, no matter how small, is a good thing. Instead of looking at the distance between where you are and where you want to be and feeling discouraged, look at where you were yesterday or last week and where you are today. As long as you made some progress, you’re headed in the right direction.
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From my own selfish experience… don’t ever use someone for their money. Don’t ever take and take and expect to not be held accountable for it at some point. It will always come back to haunt you. Trust me on this. Make your own way, be independent and self sufficient. It’s the best thing you can ever do for yourself. (Jyma, 52)
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The second approach is to remind yourself how life would be if you failed to achieve that goal. Think about the pain it would cause you. Think about having to go through another moment of feeling like a complete failure. Basically, think about the consequences of not giving the goal everything you’ve got.
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Whether it’s playing an instrument, hanging out with your kids and/or spouse, reading a good book, drawing, taking a bubble bath, working out, feeling grateful, meditating, or anything else, if it makes you happy, you should be doing it more frequently. Just make sure you choose something that actually makes you happy and not something that you know you’re only doing to kill time like watching 5 hours of reality TV.
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