Forget The Past If You Want A Future

choices decision doors doorway

What stage of life are you in? I heard a great message at church this morning related to stages of life and I couldn’t help but think about my early choices in life. How often do you find yourself dealing with situations because of a choice you made in your past?

I frequently find myself stuck in current situations because of decisions I made when I was younger. Think about it; the current career you are in is because of a choice you made when you were younger. Just like your current debt is due to decisions you made yesterday, or even 10 years ago.

How long are we going to regret past decisions? If we continue to make poor and uninformed decisions, we will continue to look back at today wishing we had made a different choice. The effects of these poor choices continue to roll with us as we enter new stages of life – unless we consciously choose to rectify our past errors and stop making the same poor decisions. In order to be healthier tomorrow, you must change what you do today. If you are not happy with your weight or your eating habits today, are you content with feeling this way or even worse for the remainder of your years? What would it feel like to be skinny again? What would it feel like to be debt free again? Do you even remember what it felt like? (Before I get a barrage of emails, no I was not calling you fat – it was just an example!)

Debt Is Not Your Friend

That debt you carry with you today, those credit cards, that expensive truck payment, that cable bill that continues to go up, is going to stay with you for the rest of your life if you do not change. Your current life style is not working and it is only going to get worse. If you are slowly chipping away at your debt but still spending more than you should, you will never save enough to retire. Life may be tolerable now, but what about when you’re older and have less energy to deal with the stress? The stress is only going to increase in the future if you don’t deal with today.

We all have made choices in our past that affect us to this day. We find ourselves comfortable with the chaos. Those monthly payments we make have become comfortable and we have resigned to the fact that this is how life will always be. Stop lying to yourself! You don’t need cable TV if you have debt. You don’t need that motorcycle, if you have debt.

But My Children Deserve It!

The point is, whatever your normal is now – is comfortable. Stressful yes, but it is your norm and you are used to it. The idea of cutting back on things sounds scary. You work too hard and deserve to enjoy life to the fullest extent right? The kids are only young once so that much needed Disney trip should go on the credit card right? I have 3 kids and I completely agree we should cherish every moment with them and create memories on a constant basis – they are only young once. I am also a huge Disney fan. If my wife would have let me, we would have been married in Cinderella’s Castle. But my kids will remember those days playing board games at home and Friday popcorn and movie night (DVD) just as much as that big expensive Disney trip – I promise. Your kids need time with you, not expensive outings that put you further in debt.

I have much more to write about children and money in a future article but if you can’t control your spending for yourself, do it for your kids. Your children will learn how to manage their future finances based on how you manage your money. If you are a train wreck and live in the moment, chances are some or all of your children may follow in your footsteps. It’s your job to get your finances in order – that is one of the necessary skills you should be teaching them as they grow older. Do as I say not as I do has never worked well.

As I continue on rambling, let me get back to the main reason I started with this article. We all go through different stages in our life. From elementary school, to teenage years and high school, to college and careers, marriage, children, divorces, etc. Each stage has the ability to influence the future stage, for the better or worse. In regards to finances, we can either continue on with our poor decisions that we will regret in the future, or we can change our lifestyle to set us up for success rather than failure.

Stop dwelling on the past and realize that is not who you have to be in the future. You could look back in 5 years and remember this day as the day you changed your future. Each success story started with a radical change in direction. Get out of your comfort zone and make the choice to change your future, you deserve so much more than this!

If you need a reminder on budgets, check out my earlier articles:Budget Isn’t A Bad Word and Simple Steps To Start Your Debt Free Life!

Please leave a comment below and let me know your thoughts on the article! If you haven’t signed up to receive future articles by email, please add yourself at the bottom of this page. If you have topics you would like future blogs about, let me know and I will add them to the agenda. Stay safe my friends – ENOUGH IS ENOUGH!

-Ryan

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Author: Ryan

Hi!  My name is Ryan and I have a passion for personal finance and education.  I am married and have three children, a girl and two boys all under the age of ten.  My wife stays home with the kids so it can be challenging to live off one income.  Much of what I write is based off my personal experiences and what I have learned in the course of my life. My financial journey began when my wife and I saved up a sum of money and I didn't know who I could trust to invest it.  After several interviews with financial advisers, I still didn't feel like I could trust anyone.  That began my journey to educate myself by reading every finance book I could get my hand on and by attending financial seminars.  After getting a good handle on debt, finance, and investments, I decided to start this blog as a resource for others who find it difficult to trust people with their money. I recently started writing this blog about how to get out of debt and start investing to create the future you deserve. I have been in law enforcement for 14 years and I have seen the devastation left behind by people who mismanage their finances.  I started this blog because I want to help as many people I can by educating them on common sense money management. As far as my formal education, I obtained a Bachelor of Science in Education and a Master of Administration Degree from Northern Arizona University.  I am an adjunct professor at a local community college and I have been a student of finance for many years. This blog is dedicated to those looking to eliminate their debt and to mold a new way of thinking, living, and spending. Education, focused on financial stability and wealth, is the main purpose of this blog. This website is a new journey for me and I know there are areas that I could improve.  Please feel free to reach out to me with any critiques - I would love the feedback so I can be as effective as I possibly can and provide the most relevant information.  I look forward to writing for you and learning with you! If you have any questions or comments, I would love to hear from you! -Ryan

7 thoughts on “Forget The Past If You Want A Future”

  1. Sometimes it is difficult to see our bad decisions while we are making them. We all have to eat. A nightly habit of eating out at restaurants or stopping for take out was a very expensive one I’ve had to work on changing. We still go out, just not nearly as much. My grocery bill is higher, but still less than what I used to spend at restaurants. I hate to think about how much I could have saved by making this change sooner. Grrr.

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